Does Windshield Repair Affect Insurance – Does insurance cover windshield damage? Whether it’s a small chip or a large crack, windshield damage is usually covered by comprehensive insurance policies.
Since windshields play such an important safety role in our vehicles, it’s important to address any damage they suffer promptly, no matter how minor. The good news is that most insurance companies offer coverage for damaged windshields, but knowing the exact out-of-pocket costs you can expect to pay comes down to a variety of variables. To learn more about windshield damage as it relates to insurance coverage, we spoke with the windshield experts at Safelite AutoGlass®.
Does Windshield Repair Affect Insurance
Safelite says most drivers with comprehensive auto insurance are likely to have a zero-dollar deductible for windshield repairs. In Safelite’s experience, they have had the most success repairing windshields with three or fewer chips, and cracks less than six inches. Repairing a chipped or cracked windshield is done by cleaning the damaged area, and then, under vacuum, injecting a strong resin that cures under ultraviolet light, providing a rock-hard finish. A successful repair means you don’t have to replace the entire windshield!
Should I Purchase Full Glass Coverage?
There are many states that require insurance companies to offer zero deductible coverage for windshield damage. Check with your insurance company or your agent. You may qualify for a complete windshield replacement at no out of pocket expense!
For this reason, it’s important to address any windshield damage immediately to avoid additional out-of-pocket expenses. If you’re not able to repair the damage right away, you can take steps to help reduce the chance of a crack or chip spreading by not exposing the windshield to direct sunlight or extreme temperature changes (such as splashing cold water on hot surfaces). windshield).
When it comes to large cracks that may require a full windshield replacement, drivers with comprehensive auto insurance only pay the deductible in most states, while drivers in Florida, Kentucky, and South Carolina (aka, zero-deductible states) may. Under their comprehensive coverage are able to get a complete windshield replacement with no deductible or out of pocket expenses by law. Some states, such as Arizona and Massachusetts, offer you the option to purchase zero-deductible glass coverage.
One thing drivers in these states should watch out for is solicitors approaching them in parking lots, gas stations, and car washes, or coming to their homes, trying to replace their windshields even if there is no damage that requires replacement. They will try to strong-arm you into signing an assignment of benefits agreement for glass replacement, giving them the right to collect on the claim they offer to file for you. There are other windshield repair scams that drivers should be aware of. Safelite outlines how to identify these scams and protect yourself.
Ways You Can Make Windshield Cracks Worse
As you can see, insurance coverage for windshield repair and replacement depends largely on your insurance policy and the state you live in. Just as the cost of windshield repair and replacement varies by vehicle make and model, so does the amount of coverage your vehicle receives, but reputable shops like Safelite work with most insurance companies and can help you figure out how. Many, if any, will be out-of-pocket costs. Safelite will also look to see if your windshield can be repaired before recommending a complete replacement.
Regarding whether a windshield claim affects your insurance rate, Safelite recommends contacting your insurance company directly for a definitive answer before taking your car in for service. One of the top car insurance claims is windshield replacement. Many things can damage your car’s windshield. Wrecks from other vehicles and construction trucks on the highway cause significant damage when driving at 80 mph. Just a small stone has the potential to crack your windshield. So glass coverage is very important.
You may be wondering if your car insurance policy covers windshield damage. The answer is yes, and no, depending on your insurance type. We’re here to walk you through the process.
Windshield insurance coverage pays to replace or repair your car’s windshield if it is damaged. Insurance companies must either include windshield insurance coverage in comprehensive insurance or collision or sell separate “full glass” repair coverage depending on the state.
Windshield Insurance: Everything You Need To Know
If you have auto glass damage, you should file a glass claim immediately before the damage is repaired. Pull over if the windshield is damaged while driving, and report your claim immediately.
File a detailed claim right away before repairing your cracked or chipped windshield. You should replace it immediately so that the crack does not spread.
There are two types of auto insurance, full-coverage and liability-only insurance. States legally require a base amount of coverage as a minimum car insurance. This is called liability only insurance.
Comprehensive coverage is not part of your liability coverage. You need to have comprehensive coverage if you want to pay for the glass repair.
Auto Glass Scams Continue To Be A Problem In Florida
Full-coverage insurance has comprehensive coverage on collision and your auto policy. These add-ons cover flood, theft, vandalism, fire, and accidental damage to your vehicle.
You must have comprehensive or collision coverage to cover your glass damage. If you only have liability coverage, your policy won’t cover windshield damage. Another motorist’s liability coverage pays for your windshield in an accident that wasn’t your fault.
Even with collision or comprehensive coverage, your insurance won’t pay to replace or repair your windshield if you cause damage intentionally, including being under the influence.
If you have to repair the windshield, it is less expensive than replacing it. The cost to repair a windshield varies depending on the damage. But the cost of windshield replacement depends on the following factors:
Common Causes Of Windshield Damage
Depending on your policy, you may have to pay a deductible if you file an auto glass claim. Some state laws, like Florida’s windshield replacement law, waive insurance deductibles for damaged windshields if you have comprehensive coverage.
It’s worth filing a glass claim if the repair costs exceed your car insurance deductible. If your windshield replacement costs $400, and your deductible is $250, you pay $250, and your policyholder picks up the remaining $150.
Florida prohibits insurance companies from charging a deductible for glass damage repair. Florida residents get free windshield repair if damaged while driving, in a hurricane, or vandalized.
A collision deductible is deductible on losses from a collision with another vehicle. A comprehensive deductible applies to damage caused by something other than a collision.
Auto Windshield Glass Repair
A deductible is the amount you pay to repair your car before your insurance plan starts paying.
Windshield replacement occurs when the damage is too significant to repair, so the windshield must be replaced. Repairs are usually in the case of a small crack or chip that is repairable.
The cost to replace a windshield is about $250-$400, but the amount varies by location and type of damage.
Aftermarket glass is often attractive to glass customers because it is low-cost and quick to replace. They cost about $100 less than original glass and take 30 minutes less to install.
A Few Easy Ways To Sell Windshield Protection…to Every Buyer
If your windshield is cracked, inspect the damage, determine if you are able to drive, prevent further damage, and contact your insurance agent to file a claim, repair or replace only after getting the go-ahead from your insurer.
Buying glass coverage is simple and easy. It’s essential to make sure you have the right coverage in case something happens. We hope this article has helped you understand your options and how to deal with windshield damage if it happens to you.
If you’re ready to get insurance quotes for your car, it’s as simple as comparing rates as the amount varies from company to company. We have a handy tool for finding the best car insurance.
By Julia Matseikovich Julia Matseikovich, CEO and Co-Founder, takes pride in educating others about auto insurance so they can make informed decisions for themselves and their families. She has been published in many prominent publications where she has helped educate others about the importance of carrying car insurance. Written by Jesse C. Jesse Carrow Writes Contributor, Personal Finance Jesse C. has years of experience writing for Reviews.com and others. Insurance Domains. He covers topics ranging from auto and homeowner’s insurance to life insurance. She has been writing professionally for over a decade with experience across a variety of topics and industries. Before becoming an insurance writer, she worked as a legal assistant in the field of personal injury law and as a licensed sales producer at various insurance agencies. Get in touch with Jessie C via email Email Jessie C
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Edited by Jessa Claes Edited by Jessa Claes Arrow Right Editor, Insurance Jessa Claes is an insurance editor covering auto, home and life insurance. He has over six years of experience writing, editing and leading teams of content creators to help others secure a healthy financial future. His work has been published by many insurance, personal finance and investment-focused publications, including Jerry, BiggerPockets, 401(k) Expert, BP Wealth and more. Connect with Jessa Claeys on LinkedIn Linkedin Jessa Claeys
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