It’s one of the most common little frustrations of driving around Lexington, SC. A rock kicks up from a gravel shoulder or a construction zone, and suddenly there’s a chip right in the middle of the windshield. It’s a small annoyance until that chip spreads into a crack, and then it becomes a real question of what insurance actually covers.<\/p>\n
Between rural roads on the outskirts of town, ongoing construction along busy corridors, and gravel shoulders common throughout the area, loose debris kicked up by other vehicles is simply part of driving here. Stedman Group, Inc. hears from Lexington drivers dealing with this kind of damage regularly, especially after a stretch of road work or a summer of heavy rain washing gravel onto pavement.<\/p>\n
Windshield damage from road debris falls under comprehensive coverage, the part of an auto policy that addresses non-collision incidents like this. Unlike a typical accident claim, a comprehensive claim doesn’t involve fault the same way, since no other driver’s negligence usually caused the damage.<\/p>\n
Windshield-only comprehensive claims are typically treated differently than at-fault accident claims, since they don’t involve driver behavior. Confirming exactly how a specific policy handles this distinction is worth a direct conversation, since it varies by insurer.<\/p>\n
Addressing a small chip quickly, before it has a chance to spread, often makes the difference between a simple repair and a full windshield replacement. Taking a photo of the damage and noting when and where it happened also makes filing a claim more straightforward.<\/p>\n
Stedman Group, Inc. works with Lexington drivers to make sure comprehensive coverage genuinely fits the everyday realities of driving on the area’s mix of highways, rural roads, and construction zones. This connects to a related concern covered in our piece on customizing your auto insurance policy for Lexington drivers<\/a>.<\/p>\n If you’ve dealt with a windshield chip or crack recently, it’s worth confirming how your comprehensive coverage applies. Visit Stedman Group, Inc.’s auto insurance page<\/a> or explore more at Stedman Group, Inc.<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":" It’s one of the most common little frustrations of driving around Lexington, SC. A rock kicks up from a gravel shoulder or a construction zone, and suddenly there’s a chip right in the middle of the windshield. It’s a small annoyance until that chip spreads into a crack, and then it becomes a real question […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[9,6,5],"class_list":["post-60","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-auto-insurance","tag-lexington","tag-stedman-group"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t