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Car Insurance That Covers Windshield Replacement – A solid windshield helps ensure a safe driving experience, so you should repair or replace a cracked or broken windshield right away. Car insurance covers the area of the windshield sometimes, depending on the area you choose and the car insurance. Here’s what you need to know about how car insurance covers windshields.
A car insurance policy can cover windshield damage, but it all depends on the type of coverage you buy. You may need to meet your policy’s specific coverage criteria for windshield repair or replacement. For example, you may have to pay your out-of-pocket costs first before your insurance kicks in and covers the rest. Some auto insurers offer windshield coverage.1
Car Insurance That Covers Windshield Replacement
You may have to prove the cause of the window damage, as some insurers only offer coverage for certain situations. Read the terms of your policy to find out how it covers windshield damage.
Window Watching: How Much Should It Cost To Replace A Windshield?
There are several types of car insurance for repairs and replacements, which offer different types of coverage. Your options include:
Comprehensive coverage covers the costs of your car from incidents that don’t happen. These can include floods, storms, hail hitting your windshield, or property damage. In most cases, this type of coverage covers a set amount and only applies after you pay the deductible. While adding comprehensive coverage to your policy is more expensive than basic auto insurance, it can provide you with additional protection for your vehicle. It may be necessary if you have a car loan.
This type of insurance covers car damage caused by accidents. Like comprehensive coverage, collision coverage usually has set policy limits and involves paying your deductible before coverage begins.
A combination of comprehensive, collision, and liability coverage, comprehensive insurance protects you from a wide variety of risks. With comprehensive coverage, you can get coverage for windshield damage, regardless of whether it is caused by an accident.
How Repairing Your Windshield Can Save You Money
If purchased, comprehensive windshield coverage covers all windshield repair and replacement costs without requiring a deductible. If you have full coverage and live in Florida, Kentucky, or South Carolina, your air travel allowance will be waived as long as you meet your coverage requirements. Some states may offer full windshield coverage as an add-on or rider for an additional cost.
Whether you need to repair or replace your windshield depends on the size and area of the damage, the number of cracks, and the amount you can afford. If you have a small chip in your windshield, for example, a simple repair may make sense.
However, if your windshield has a large crack or broken glass, you will have to replace it. If you are not sure whether you need a repair or replacement, contact a professional at a trusted repair center.
Filing a windshield claim usually won’t affect your premium, but it may increase if you have multiple windshield claims in a short period of time. Consider this when deciding whether it makes sense to apply.
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If the damage to your window involves only a few chips or a crack six inches long or smaller, it can usually be repaired. While the cost of windshield repair depends on factors such as location, auto glass service provider, and type of damage, repairing a single chip costs $60 to $100. Larger chips and cracks can cost more to repair, between $125 and $150. You may find a discount facility for adjusting other shifts on the same air conditioner.
You may have to replace your windshield if the damage is more than six inches long, puts a hole in your windshield, adds to several small repairs, or sits in directly in your field of vision. Windshield replacement costs depend on the type of car you drive, your location, windshield service, and more. A new windshield costs $250 to $400 for a non-premium vehicle. Luxury car owners may have to pay between $1,000 and $4,500 for windshield replacement.
Since any windshield damage can interfere with your safety on the road, it is important to file a claim as soon as possible. To do so, follow these steps.
Most insurance companies allow you to apply online or by phone. If someone else has caused you damage, your insurer may need to refer you to or file a claim with the third party’s insurer. When you apply, be prepared to provide the following type of information:
Will Your Insurance Cover Windshield Damage?
Once you file a claim, your insurance company may provide you with a list of trusted repair shops that work with them. These may include local stores, nationally known stores, or mobile stores. If you find a different shop that you would like to work with, you will need to get approval from the car insurance company first to avoid missing out on coverage.
You will have to take your car to a glass repair shop or arrange for them to come to you for repair or replacement. You may need to provide the repair shop with the following information:
If your car insurance requires you to pay a deductible for windshield repair or replacement coverage, you may have to pay this amount directly to the auto shop. Alternatively, if the windshield repair or replacement is covered, you may have to pay out of pocket and ask your insurance company to reimburse you. You should notify your insurance provider of the repair costs in advance so that you can be fully reimbursed. You don’t want to end up in a situation where your repair costs exceed your employer’s reimbursement limit.
The type of policy you have and the cause of the windshield damage will determine whether your coverage applies. If you have collision coverage, for example, you can expect coverage for a broken windshield after an accident. Basic insurance does not cover damage to your air conditioner. Check the terms of your policy before assuming your coverage covers windshield repair or replacement.
The Benefits Of Getting Professional Windshield Repair Or Replacement
The out-of-pocket amount you will have to pay before your insurance kicks in, the auto glass deductible covers the remainder of your windshield repair or replacement. If you live in a low-income state, such as Florida, Kentucky, or South Carolina, you will not have a deductible for windshield damage. If you’re not in the minority, understand your policy amount and the cost of repairs or replacements. If the difference is small, it may make sense to pay the loan yourself.
Anna Baluch is a financial and insurance professional based in Cleveland. With an MBA from Roosevelt University, he enjoys writing educational content that helps people make smart financial decisions. His work can be seen online in many publications, including Freedom Debt Help, Credit Karma, RateGenius, and Balance. Connect with Anna on LinkedIn.
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of buying insurance.
Konstantin has led data teams across multiple industries, including insurance, travel and biology. He has led the engineering team for over three years.
How To Repair A Windshield (with Pictures)
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If your windshield is broken, you should file a claim as soon as possible and before repairs are made. If the damage occurs while you are driving, stop as soon as possible and file your claim immediately.
If your windshield is broken or cracked, you should file a full claim as soon as possible and before proceeding with repairs.
Important point: You should not wait a long time after the damage occurred to file a glass claim, and the claim should be filed before the repair is made. The
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