by California Casualty | Auto Insurance Info |
Each year, 1 in every 6 people in the U.S. get a speeding ticket at the average cost of about $150. But tickets aren’t the only price you pay for speeding. Your auto insurance rates could take a hit; how much depends upon important factors like your driving record, the state where you live, and how fast you were traveling.
Your driving record is important.
Speeding increases your chances of causing an accident which impacts your policy and your pocketbook in a negative way. If your previous driving record includes speeding, accidents, and other violations, you could be considered risky to insure. Your insurer would likely raise your rates in that case. You may even have trouble getting insured.
For most states where California Casualty offers insurance, the maximum minor convictions per driver is two over a 3-year period. Once you reach three, you no longer meet our new business acceptability guidelines.
In addition, in most states, points are used to keep track of moving violations. You get points added to your license for each offense, with more points given for serious ones like driving under the influence (DUI). Too many points can cause your license to be suspended. (In the states that don’t use points, they still keep track of violations.)
From an insurance standpoint, a minor ticket like speeding is surcharged for a 3-year period from the date of conviction. Major convictions can impact your rates and acceptability from 3 to 10 years, depending on the state.
Your insurance company is not typically notified by the Department of Motor Vehicles that you have points on your license because of a speeding violation. However, before quoting you a price, an insurer will order a new motor vehicle report to get updated information.
Speed and location make a difference.
There’s a difference if you’re going 5 miles over the speed limit or 25. The latter may be considered reckless driving, a more serious charge.
NerdWallet found that car insurance typically increases about 25% after a speeding ticket.
Insurance.com notes that if you are 11-15 miles over the speed limit, that can raise your rate by 20% on average. If you have two tickets going that speed, that can raise your rate by an average of 43%.
It also varies by state. A speeding ticket in Texas for 16 miles over the limit costs customers an average insurance increase of $600 over three years. Nationwide, the average speeding ticket raises rates $1,380 over three years.
These increases don’t always happen right away. They are usually calculated at the time that you renew your auto policy. Of course, speeding charges can impact you immediately if you start a new policy or make changes to your existing policy. Be ready.
Here’s how to lower your premium after a speeding ticket.
Paying the speeding fine and moving on may seem like that best thing to do. However, you can take extra steps that could help save you money on your future insurance premium.
• Take a defensive driving course. Ask for the court’s permission to take a driver safety course to help get your ticket dismissed or the points reduced. You may need to pay some upfront fees to do so, such as court costs and for the driving course. You’ll also have to spend 6 hours in training for a refresher on safety like how to share the road with others. However, it may be worth it to save money on your insurance premiums in the future. Be aware that some states limit the number of times you can take a driving class within a certain period of time.
• Ask for a deferred deposition or adjudication. This may be an option in your state if you were going less than 25 mph above the posted speed limit. Ask the court to delay a decision on your case for a specified timeframe. You’ll be placed on probation during this time period. If you follow the rules, your case may be dismissed. You most likely will have to pay additional court fees for this option.
• Ask for mitigation. While you can plead guilty to speeding, you can explain the circumstances to the court and ask if they can reduce the points on your license. They may even be able to change the charge to a non-moving violation. If reduced to a VEQ (Vehicle Equipment Violation), the ticket is ignored for surcharging and for acceptability purposes for all states. You likely will still have to pay a fine, so come prepared.
• Contest the ticket. If you feel the ticket was in error, it is in your best interests to contest it. Go to court, and plead not guilty. You may wish to bring a lawyer to present your strongest case.
• Keep track and notify your insurer. One benefit of California Casualty is that if you call us the day after a minor conviction turns 3 years old, we will remove the surcharge. At that time, we’ll order an updated Motor Vehicle Report so we have all of the current information.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
by California Casualty | Auto Insurance Info |
Brrrr…it’s cold out there. But those freezing temperatures don’t just affect us. They can also impact our cars, some even to the point where they may not start or function.
Here’s a quick checklist to help you know what to look for, and what to do, to ease the effects of frigid temps on your vehicle.
Check your tires.
A lot is riding on your tires. You want them to grip the road in all conditions, whether dry or wet, snowy or icy. However, as temperatures dip, so does the pressure in your car’s tires. That underinflation can result in serious safety issues. Underinflated tires can cause your car to lose traction, and slip and slide in wet conditions. The tires’ treads can wear unevenly. You could even be at risk for a tire blowout. Having the right tire pressure helps with a safe ride and also improves gas mileage.
What to do: Check your tire’s air pressure at least once a week and fill your tire as needed to manufacturer’s specifications. Consider getting winter tires that perform better on snowy surfaces if you live in a place with frigid temperatures.
Check the battery.
Batteries help start our cars and power electrical features. Most batteries use a chemical reaction with lead acid to generate the electric current. In freezing temperatures, this reaction is slower and your battery’s power is reduced. That means it may not have enough “juice” to start at all. This is especially true for older or weaker batteries.
What to do: If your car doesn’t start immediately, turn off the lights, heater, radio, phone chargers, and anything that is powered by your battery. Try starting your car again to see if that helps. If not, use jumper cables to get your vehicle going. In general, keep battery connections clean and free of corrosion, which will help it work to its best potential. Also, consider a battery warmer. Finally, replace your battery if it is more than 3 years old. If you’re unsure of your battery’s life, have it tested. Many auto shops offer that service for free.
Are you driving an Electric Vehicle (EV)? Cold can affect your battery too. There’s less energy for acceleration and your range may decrease. Preheat your EV before going out. Be prepared for longer charging times in winter months.
Check your fluids.
Freezing temperatures can affect your car’s oil, coolant, and transmission fluids. When it’s very cold, these fluids become so thick that the engine cannot circulate them, or has to work harder to do so. Without these essential fluids, your vehicle cannot operate properly or sometimes at all. With a lack of oil, your engine isn’t lubricated. With a lack of transmission fluid, your car struggles to switch gears. With a lack of coolant, your engine can overheat. The frozen coolant can also crack and damage your radiator hoses.
What to do: Let your car warm up fully before driving. Switch to low-viscosity oils, or synthetic oils, which flow more easily when it’s cold. Make sure there is a proper ratio of antifreeze (coolant) to distilled water. An improper mix can have a higher freezing point. You can check your coolant’s freeze point with a refractometer. Also, winter is a good time to have your transmission fluid checked and replaced if needed.
Fill your gas tank.
Gas will not freeze unless it’s 100 degrees below zero. But water in your gas tank or lines can become ice that clogs the system. The ice can make it hard to start your car or give you a sputtery ride. It also can leave you stranded with your car unable to go anywhere.
What to do: Keep your gas tank at least half full to avoid this problem. If you do get stranded with a frozen fuel line, you can get your car towed to a warm location. You also can try adding gas and/or fuel line antifreeze to the tank.
Let screens warm up.
You may notice your liquid crystal display (LCD) screens being slow in the cold. That’s because the molecules in LCDs slow down when the temperature drops.
What to do: Wait for the car to warm up, and the screens should resume their normal speed. You can install an engine block heater to help things along or park in a warmer place like a garage to minimize the cold’s effects.
Clear your windshields.
On a cold day, your breath could condense and freeze on the inside of your windshield. Keep your windshields as clear as possible with the defrost function. Windshield washer fluid also may not work as well in the cold. It may be unable to spray because it’s frozen.
What to do: You can buy windshield washer fluid that is made for cold temperatures. Even so, it could freeze, so make sure your car is warmed up before using it. Also, check that your car’s defrost system is in good working order.
Check the rubber on wipers and doors.
Freezing temps can cause the rubber on your windshield wiper blades to become brittle. They could easily tear or crack, which creates blurry windshields—a recipe for car accidents. In addition, doors can freeze shut in cold temperatures, which is an added annoyance.
What to do: Consider buying winter wiper blades that are made to hold up to cold temperatures. Make sure you replace your wiper blades when they are worn. For frozen car doors, try using silicone spray on the rubber door gaskets to keep them from freezing shut.
Check your belts and hoses.
Older serpentine belts may be brittle and can break when they get cold. They also may be so cold that they don’t bend as they should. Cold weather can also take its toll on your coolant hoses. A bad belt can continue to function but there often are signs that it is failing and needs to be replaced. Listen to noises your car may make to indicate that and other problems.
What to do: Have your mechanic check the drive belt system and coolant hoses at every oil change. Replace parts when they show signs of wear and tear.
Remember, your car is one of your greatest investments. Keep it well-maintained all winter long and don’t forget to protect it with the right insurance.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
by California Casualty | Auto Insurance Info, Finances, Homeowners Insurance Info |
From groceries to gas, it seems like we’re paying more for everything these days. Now insurance rates are increasing as well. Why is this happening, and more importantly, what can we do about it? Here’s what you need to know.
What we’re seeing…
Car insurance rates rose 9% over the course of 2022, a trend that is expected to continue with another 7% rate growth in 2023 according to Insurify. Home insurance rates increased by an average of 12.1% in 2021, and another 3% in 2022 said Bankrate.com. Experts predict rate increases each year for the next few years due to the perfect storm of inflation, supply chain issues, weather changes, and other factors.
We’re experiencing historic inflation.
Inflation is at its highest level in decades. Inflation has had a significant impact on the cost of auto parts and labor, as well as medical expenses for bodily injuries.
From March 2021 to March 2022, here’s how prices have increased:
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- Medical services – increased 2.9%
- Auto repair costs – increased 4.9%
- Car rental costs – increased 13.8%
- Used vehicles – increased 35.3%
Similarly, the costs associated with a home claim also have been affected by inflation. This includes additional temporary living expenses, replacement of personal property and home furnishings, cost of construction labor, and costs of construction supplies.
From March 2021 to March 2022, here’s how prices have increased:
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- Rent – increased 5.1%
- Home furnishings – increased 10.1%
- Construction labor and trade services – increased 21.3%
- Construction materials and goods – increased 22.2%
Supply Chain Issues
There are supply chain issues created by the pandemic and by a labor shortage. When we can’t get parts or supplies to repair a vehicle or a home, the process becomes lengthier and results in repairs simply costing more.
Other Factors
The severity and frequency of vehicle accidents are on the rise. Traffic fatalities reached a 16-year high in 2021 according to the National Highway Traffic Safety Administration, due to an increased trend in post-pandemic risky driving behaviors – speeding, driving distracted, not wearing seatbelts, and driving under the influence. This rise in accidents directly affects claims, which contributes to rising auto insurance costs.
Similar conditions come into play for home insurance costs. The number of extreme climate events and weather disasters is also increasing. In 2022, there were 18 disasters with losses of more than $1 billion each, according to the National Centers for Environmental Information.
An inside look at how this affects your insurance rate
As material and labor costs rise, the cost to repair and replace damaged homes and vehicles increases. Factor in the ongoing supply chain issues and costs increase even more. The amount you pay for insurance is likely to go up when the cost to settle claims rises.
“But I’ve never been in an accident, so why would my rate go up?”
Even if you have a spotless driving record or never filed a claim, it’s likely that your insurance costs could be impacted due to economic factors that are out of your control – regardless of the company that provides your coverage. Insurers across the country have been raising rates, some multiple times in the past 12 months. However, it’s not all doom and gloom. There are ways you may be able to reduce your costs.
What You Can Do to Lower Your Premiums
Your insurance provider can recommend adjustments that still give you the quality coverage you need but with a lower premium. Start with a thorough policy review and make sure to look at these areas.
• Review deductible options. Generally, the higher your deductible, the lower the cost of your insurance premium. Since the deductible is the amount your insurance provider will subtract from an insurance payout, you’ll have to select a deductible that you’re comfortable paying out-of-pocket after a loss. Note that there can be diminishing returns if you set your deductible much higher than average, so as a consumer, you need to balance the premium savings against the amount you’d be required to pay after a loss.
• Take advantage of discounts. You may qualify for insurance discounts for being part of a professional association, such as groups for teachers, nurses, or first responders. There are also discounts for being retired, good student discounts, setting up automated payments, and for paying in full upfront. You may also receive a discount for quoting online.
• Buy home and auto insurance from the same company. When you bundle your home and auto insurance, you can often qualify for reduced rates, saving hundreds of dollars.
• Remove Gap coverage if no longer needed. When you buy or lease a new vehicle, it starts depreciating once you drive it off the lot. Gap insurance ensures that you will get the full replacement value of your car if it is totaled or stolen. As a car begins to age, this gap goes down and the need for coverage is less.
• Make your home disaster resistant. Talk to your insurance agent about how you can disaster-proof your home. You may be able to save on your premiums by adding storm shutters, reinforcing your roof or buying stronger roof materials, or even clearing brush from around your home. Older homes can be retrofitted to make them better able to withstand earthquakes or other natural disasters. In addition, consider modernizing your heating, plumbing, and electrical systems to reduce the risk of fire and water damage.
• Choose electronic documents rather than mail. This is an easy change that often comes with a discount and can add up in the long run.
• Skip a payment. Some insurance companies allow you to skip payments around the holidays. At California Casualty, you have the option to skip payments during the summer or holiday months when budgets tend to be extra tight. Ask your agent for details.
California Casualty has been slower with rate increases than the bigger carriers. We will always strive to keep our prices as affordable as possible for our members. When we do make rate changes, it is to be able to maintain the financial fortitude to keep our promises to every policyholder during their time of need.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses.
by California Casualty | Auto Insurance Info |
Brrrr…it’s cold out there. But those freezing temperatures don’t just affect us. They can also impact our cars, some even to the point where they may not start or function.
Here’s a quick checklist to help you know what to look for, and what to do, to ease the effects of frigid temps on your vehicle.
Check your tires.
A lot is riding on your tires. You want them to grip the road in all conditions, whether dry or wet, snowy or icy. However, as temperatures dip, so does the pressure in your car’s tires. That underinflation can result in serious safety issues. Underinflated tires can cause your car to lose traction, and slip and slide in wet conditions. The tires’ treads can wear unevenly. You could even be at risk for a tire blowout. Having the right tire pressure helps with a safe ride and also improves gas mileage.
What to do: Check your tire’s air pressure at least once a week and fill your tire as needed to manufacturer’s specifications. Consider getting winter tires that perform better on snowy surfaces if you live in a place with frigid temperatures.
Check the battery.
Batteries help start our cars and power electrical features. Most batteries use a chemical reaction with lead acid to generate the electric current. In freezing temperatures, this reaction is slower and your battery’s power is reduced. That means it may not have enough “juice” to start at all. This is especially true for older or weaker batteries.
What to do: If your car doesn’t start immediately, turn off the lights, heater, radio, phone chargers, and anything that is powered by your battery. Try starting your car again to see if that helps. If not, use jumper cables to get your vehicle going. In general, keep battery connections clean and free of corrosion, which will help it work to its best potential. Also, consider a battery warmer. Finally, replace your battery if it is more than 3 years old. If you’re unsure of your battery’s life, have it tested. Many auto shops offer that service for free.
Are you driving an Electric Vehicle (EV)? Cold can affect your battery too. There’s less energy for acceleration and your range may decrease. Preheat your EV before going out. Be prepared for longer charging times in winter months.
Check your fluids.
Freezing temperatures can affect your car’s oil, coolant, and transmission fluids. When it’s very cold, these fluids become so thick that the engine cannot circulate them, or has to work harder to do so. Without these essential fluids, your vehicle cannot operate properly or sometimes at all. With a lack of oil, your engine isn’t lubricated. With a lack of transmission fluid, your car struggles to switch gears. With a lack of coolant, your engine can overheat. The frozen coolant can also crack and damage your radiator hoses.
What to do: Let your car warm up fully before driving. Switch to low-viscosity oils, or synthetic oils, which flow more easily when it’s cold. Make sure there is a proper ratio of antifreeze (coolant) to distilled water. An improper mix can have a higher freezing point. You can check your coolant’s freeze point with a refractometer. Also, winter is a good time to have your transmission fluid checked and replaced if needed.
Fill your gas tank.
Gas will not freeze unless it’s 100 degrees below zero. But water in your gas tank or lines can become ice that clogs the system. The ice can make it hard to start your car or give you a sputtery ride. It also can leave you stranded with your car unable to go anywhere.
What to do: Keep your gas tank at least half full to avoid this problem. If you do get stranded with a frozen fuel line, you can get your car towed to a warm location. You also can try adding gas and/or fuel line antifreeze to the tank.
Let screens warm up.
You may notice your liquid crystal display (LCD) screens being slow in the cold. That’s because the molecules in LCDs slow down when the temperature drops.
What to do: Wait for the car to warm up, and the screens should resume their normal speed. You can install an engine block heater to help things along or park in a warmer place like a garage to minimize the cold’s effects.
Clear your windshields.
On a cold day, your breath could condense and freeze on the inside of your windshield. Keep your windshields as clear as possible with the defrost function. Windshield washer fluid also may not work as well in the cold. It may be unable to spray because it’s frozen.
What to do: You can buy windshield washer fluid that is made for cold temperatures. Even so, it could freeze, so make sure your car is warmed up before using it. Also check that your car’s defrost system is in good working order.
Check the rubber on wipers and doors.
Freezing temps can cause the rubber on your windshield wiper blades to become brittle. They could easily tear or crack, which creates blurry windshields—a recipe for car accidents. In addition, doors can freeze shut in cold temperatures, which is an added annoyance.
What to do: Consider buying winter wiper blades which are made to hold up to cold temperatures. Make sure you replace your wiper blades when they are worn. For frozen car doors, try using silicone spray on the rubber door gaskets to keep them from freezing shut.
Check your belts and hoses.
Older serpentine belts may be brittle and can break when they get cold. They also may be so cold that they don’t bend as they should. Cold weather can also take its toll on your coolant hoses. A bad belt can continue to function but there often are signs that it is failing and needs to be replaced. Listen to noises your car may make to indicate that and other problems.
What to do: Have your mechanic check the drive belt system and coolant hoses at every oil change. Replace parts when they show signs of wear and tear.
Your car is one of your greatest investments. Keep it well-maintained and protect it with the right insurance.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
by California Casualty | Auto Insurance Info, Homeowners Insurance Info |
You slow down for the yellow light but the car behind you does not. Bam! It wasn’t your fault but now you have to get your car fixed. Or maybe a storm knocks out a window in your house. Now you need to get it repaired.
Accidents happen. Washing machines overflow; things are stolen or vandalized. That’s why you have insurance. Your policy protects your vehicle, your home, and your belongings, taking some of the financial stress away to help you repair and replace those necessary items. Here’s an overview of the insurance claims process so that you can do it easily.
When to File a Claim
Every policy has a deductible, an amount that you are required to pay out-of-pocket before insurance kicks in. The general rule is to file a claim when the payout is greater than the deductible and you cannot cover it on your own. You also should file a claim whenever someone is injured and when it’s not clear who is at fault. That way, the insurance companies can get together and determine the outcome.
How to File a Claim
Let’s say you were in a car accident. Here are the steps to take to file a claim. (You also can refer to the back of your California Casualty insurance card. It lists the steps to follow in the event of a loss.)
Step 1: Call the police if needed.
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- Call 9-1-1 if anyone is injured or you suspect drugs or alcohol are involved.
- Call the non-emergency police number to report the accident. An officer may show up and take a police report. While you don’t necessarily need one, it will make the claims process easier. If the police are not needed, or available, you may file an accident report online, by mail, or at the police station.
Step 2: Get the other driver’s information.
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- You feel bad so it may be tempting to say the accident was your fault. Whether or not it was, don’t take the blame. Don’t apologize.
- Exchange information. Get the other driver’s name. Take a photo of the other driver’s license, insurance card, and registration. Alternatively, you can write down the information. Make sure you have the year, make, model, license plate number, and color of the other car.
Step 3: Write down facts and take photos. Look for witnesses.
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- Take photos of the scene, license plates, traffic signs, and anything else that may help you to remember the details of the accident.
- Include the direction the cars were traveling, your speed, weather, road conditions, and what happened.
- Use your phone to make detailed notes.
- There may be witnesses. Look around and ask for the contact information of those individuals. They may later be contacted by your insurance company or police, if needed, to support your rendition of the accident.
Step 4: Call your insurance company.
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- Report the accident. The adjuster will ask questions. Answer them honestly and thoroughly. If you don’t know the answer, say so.
- Your adjuster will share the process of getting your car repaired. They will send you paperwork to fill out.
- Let them know if there is a police report.
- Don’t sign anything from the other person’s insurance company. Let your insurer take the lead.
Step 5: File your claim.
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- Most insurance companies allow you to file your claim online. That means you’ll fill out the necessary paperwork online or by email.
- To complete the filing of your claim, you’ll need to fill out the forms that you are sent.
- You may have to get a repair estimate and include that information.
- Then, you’ll wait for approval. Once the repair is authorized, you’ll be able to proceed with the repairs. Either you or the repair shop will receive payment from the insurance company, so check with your adjuster.
The Difference with a Homeowner’s Claim
A homeowner’s, renter’s or personal property claim follows a similar process. The main difference is that you need to provide a Proof of Loss statement. That’s a list of items that were damaged or stolen and how much it costs to replace them.
Can you wait to file a claim?
You should not wait. Your insurance contract specifies your specific Duties After Loss. You must give prompt notice to the insurer; notify the police in case of loss by theft; protect the property from further damage, prepare an inventory of damaged personal property; and cooperate with the investigation.
So, the next time that life throws a wrench into your plans, remember that you have insurance. The claims process is an easy way to get the help you need.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
by California Casualty | Auto Insurance Info |
If you’ve ever had your windshield hit by a rock, you know the sinking feeling of watching a crack appear—and grow.
Cracks happen and sometimes they’re unavoidable. But did you know that your windshield is at higher risk for cracks in the winter? It’s true. Knowing the causes of cracks will help you protect your windshield this season. If you do get a crack, we’ve included a guide on how to handle it, which can hopefully save you an expensive repair.
All About Your Windshield
Your windshield is a protective barrier between you and the road ahead. It also provides a clear line of sight. When your windshield cracks, it compromises your safety and can limit your visibility.
Windshields are made of laminated glass, which includes two layers of glass with a piece of plastic in the middle. The layers are fused together, making them stronger than ordinary glass. Even though windshield glass is strong, however, cracks still happen.
Tiny cracks can occur from everyday driving. Cracks happen when your windshield is hit by a rock or debris. The metal frame of your windshield expands and contracts in extreme temperatures. This causes stress on your glass which can crack it over time. Finally, our own human error can cause glass to crack, such as when we pour hot water over an icy windshield. A crack between the two layers of glass can trap moisture between the layers. This can weaken the structural integrity of your windshield and cause cracks down the road.
Types of Cracks
In most cases, cracks or chips smaller than the size of a quarter are able to be fixed. But you cannot let even a tiny crack alone. Don’t ignore these small cracks or chips; they can start out small and eventually get larger, past the point of repair, and cause you to need a total windshield replacement.
Not all cracks are the same, and it’s good to know what kind you have. The type of crack determines how you deal with it.
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- Basic crack – The simplest crack is a line that is not near the edge of the windshield. If the line is less than 1 inch long and doesn’t have other lines extending from it, it can be repaired.
- Floater – A crack that occurs away from the windshield edge is known as a floater. These can spread quickly.
- Edge crack – If the crack is near the edge of your windshield, chances are that the entire windshield needs to be replaced.
- Chip – If a small piece of glass is missing, you have a chip. A chip less than 1 inch in diameter, without any cracks coming from it, can be filled or repaired.
- Star – If your crack looks like a small chip with tiny cracks extending from it, you have a star crack. This type of crack could possibly be fixed but the repair may be visible.
- Bulls-eye – If your crack resembles a circular bulls-eye target, you have more extensive damage than it appears. This type of crack usually requires a full windshield replacement.
How to Avoid Cracks
Remove ice responsibly. In most places in the U.S., you’ll be dealing with icy windshields this winter. You need to clear the ice in order to drive. Glass can be brittle in cold temperatures, so you will want to avoid any sudden temperature changes.
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- Do not throw hot water on your windshield. Hot water will refreeze, and surprisingly, it does so faster than cold water. Don’t use room temperature water either. This will still be a temperature extreme from the icy conditions and can crack your windshield.
- Skip the vinegar and water mixture. Vinegar doesn’t work well when there is already ice there. It also is an acid that can eat into glass causing pits.
- Don’t use a propane torch, hair dryer, or cigarette lighter. These are extreme changes in temperature and can crack the glass.
- Do not use a knife or blade that will chip or scratch your glass.
- Don’t hit the ice. It doesn’t take a lot of impact to cause damage to the glass.
- Do not use keys, snow shovels, or spatulas. They can all leave scratches and grooves.
- Do warm your car up slowly. Use your car’s heater and defrost settings. Wait until your car is warm to turn your car’s defrosters on high.
- Do use a plastic ice scraper. Ice scrapers are among the must-carry items in your car in winter.
- Do use a liquid deicer if you would like.
Avoid flying debris. While rocks and debris can hit your windshield almost anywhere, you can take steps to keep your car away from this potential hazard.
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- Don’t drive over gravel roads, but if you must, keep a safe following distance from the vehicle in front of you.
- Don’t follow construction vehicles too closely.
- Don’t drive in hailstorms if you can help it. The best strategy is to find covered parking while it’s hailing. If you must drive in a hailstorm, slow down to lessen the impact.
Park in protected places. Mother nature can be tough on our windshields. Keeping your vehicle in a place with a constant temperature and away from wind, winter storms, snowstorms, and extreme weather can help to protect the windshield.
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- Avoid exposing your windshield to extreme temperatures. If it’s going to be very cold, park your car inside if you can.
- You also can cover your car, which will help to protect your windshield wipers from freezing and cracking. You don’t want damaged wipers to scratch your windshield.
- If you can, park your car inside a garage during the winter months.
Periodically inspect your windshield. You may not even be aware of tiny cracks in your windshield. The sooner you catch them, the sooner you can address them.
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- It’s hard to notice cracks while you’re driving. Make it part of your winter routine to periodically inspect your windshield when you get in or out of your car.
- Keep the windshield glass clean. This will help you to notice small cracks and chips.
- A winter car wash can help, but don’t run your car through one if there are any windshield cracks.
- Replace your wiper blades before winter hits.
- Don’t drive around with a crack. The sooner you take care of it, the less expensive the repair will likely be.
What to Do if You Get a Crack
Drive carefully. Drive over bumps slowly. Don’t whip around corners or cause any vibrations that could make damage worse.
Guard against dirt and moisture. While you are waiting for the repair, keep the crack clean and dry. Dirt and moisture can make repairs more complicated. (Pro Tip: Even window washer fluid can stain the crack so use a drop or two of dishwashing soap on a damp cloth.)
You only have one chance to get it right. DIY options include inexpensive windshield repair kits.
Most kits aren’t high quality and won’t last long-term. Some folks have tried to seal the crack with household items like superglue or nail polish remover. Don’t even consider that. It will prevent you from getting a professional repair.
Contact an auto glass repair specialist. California Casualty works with Safelite on claims for cracked windshields. Many glass repair providers offer same-day service and can come to you. A technician can fix repairable cracks in a matter of minutes. Most comprehensive auto insurance policies cover the cost of fixing small chips and cracks in your windshield. Even without insurance, a windshield repair is much less than a replacement.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
