Fixing a damaged windshield: Do you repair or replace?

A chipped or cracked windshield can put your vehicle out of commission, leaving you without transportation until it’s fixed.

That’s why, if a rock or other debris hits your car, your first thought often is how to replace the windshield.

But you have another option. If it’s a small crack or chip, you usually can repair the damage just as effectively as replacing the glass, saving you time and money.

The repair process is simple and effective. By injecting special resins into the break, it improves the appearance of the glass and stops chips or cracks from spreading — without needing a new windshield. Best of all, repairing the glass typically takes less time than replacement, meaning you can get back on the road sooner.

Plus, if you choose this method, you may see benefits from your insurance company. For example, SECURA will waive policyholders’ deductibles if they select repair over replacement.

SECURA’s Glass Express program makes the claim process fast and easy
If you’re a SECURA policyholder and you experience auto glass damage, call 800-828-7047. You’ll immediately be connected with a trusted local shop to schedule the repair or replacement appointment, and we’ll get the claim process started for you.

You also will receive a 20/20 Perfect Vision guarantee, meaning if you experience damage to the same part of the glass within 20 months or 20,000 miles of the initial claim, it’s repaired or replaced at no charge, with no additional claim to file.

How D&O coverage can protect your board of directors

The board of directors for a non profit plays an influential role in the organization — and ultimately in the community — by making decisions about funding, programs, and more. As a result, board members face unique liability risks. Non-Profit Directors and Officers (D&O) coverage is designed to meet those risks.

A D&O Liability policy protects the organization against claims arising from wrongful acts, misleading statements, breach of duty by a director, officer, or trustee, and other similar causes.

For example, say a donor made a contribution to a non profit and intended the funds to be used for an educational program. The non profit felt it needed a larger building to continue serving the local community, and instead used part of the donation for an expansion. The donor, in turn, filed a lawsuit for this use of the funds. If the non profit had a D&O insurance policy in place, the insurance company would defend them in this lawsuit.

Protection for your board
Most importantly, D&O liability covers the costs to defend a lawsuit against your non profit. Without coverage, the defense costs could be unmanageable — especially in today’s litigious society, as claims against non profits continue to increase.

Plus, having this coverage potentially can help you recruit new board members. Volunteers will want to confirm that D&O liability is in place before agreeing to serve.

Security for your board members
Your personal assets are tied to your volunteer actions. Board members could be named in the suit against the organization, putting those assets at risk. This coverage can help make sure all members are protected.

For more information or to set up a D&O policy, talk to your insurance agent or contact SECURA at 608-824-3462.