Introduction

Whether your insurance covers auto glass repairs or replacements depends on your specific situation and the coverage. A chip repair or windshield replacement is often covered under the comprehensive insurance. A comprehensive policy may cover the repair or full replacement cost resulting from non collision damage.   

It is important to understand the various types of coverage to make informed decisions and take full advantage of them. 

Understanding Auto Glass Insurance Coverage for Repairs and Replacement

Not sure whether your insurance policy covers minor cracks or breakage due to temperature fluctuations? The decision to avail insurance for auto glass repair depends on the extent of damage, your policy, the deductibles and the cost of repairs. Many insurers cover minor cracks without any costs to prevent any further damage. For a stress free experience, choose an auto glass service that partners with an insurance company and assists in the claims process, expediting repairs.

Here is your guide to filing the auto glass repair and replacement insurance claims.

• Types of  Insurance Covering Auto Glass Repairs or Replacements

Comprehensive Insurance

This is the most common coverage type for auto glass repairs and replacements resulting from non collision damage like weather induced damage, damage from natural disasters and theft or vandalism. The deductible amount may vary. If the cost of minor repair is lower than your deductible, it’s better to pay for repairs rather than file the claim. Many auto glass companies can help waive off most deductibles to save you money.

Collision Insurance

If your vehicle has experienced a collision with another vehicle, this policy covers you and offers windshield coverage after paying the deductibles.

Liability Insurance

This policy is a legal requirement and covers the damage you have caused to the other party in the event of an accident, but does not cover damage to your vehicle.

Add On Coverage

Some companies offer zero deductible glass coverage, but this might also come at an additional cost in your insurance premium.

What Factors to Consider Before Filing For Claims?

• Your state laws and regulations can influence your insurance coverage. Some states like Florida, require by law that comprehensive auto insurance must offer zero deductible windshield repair.

• Always confirm your policy coverage and deductible amounts before filing for claims to avoid hassle.

• Oftentimes, repairs are covered without affecting the deductibles but replacements require you to pay deductibles.

Conclusion

Understanding your insurance coverage helps you make informed decisions about your auto glass repairs or replacement. Comprehensive coverage usually covers auto glass repairs and replacement from non collision damage. To avoid unexpected repair costs and to navigate the claims process smoothly, it’s wise to review your policy and check whether deductibles apply and under what conditions you are exempt from paying them. To make the most of your insurance benefits, consult with an auto glass repair company for a hassle free experience.

FAQs

What if my windshield has a minor crack?

A damaged windshield results in impaired visibility increasing the chances of accidents. It will be difficult for you to spot road hazards like debris, resulting in increased reaction time during stops or lane changes.

How can I navigate the glass claims swiftly?

For an efficient process, review your policy coverage and check for state perks and deductibles. Contact your preferred auto glass shop. Schedule the service and file the claim.

What’s a key factor driving the growth of the auto glass repairs sector?

The average age of vehicles in the US has reached more than 14 years. This record high age has resulted in frequent repairs and replacements as older vehicles are more prone to damage.