Using insurance to cover a windshield replacement or repair

When your windshield is cracked, chipped, or damaged, getting it repaired or replaced promptly is essential for safety. However, many drivers worry about the cost. The good news is that your car insurance policy may cover windshield replacement or repair, often with little to no out-of-pocket expense. Knowing how to navigate your insurance coverage can save you time, money, and stress.

In this guide, we’ll explain how to use insurance for windshield repair or replacement, what’s typically covered, and tips for a smooth claims process.

Does insurance cover windshield repair or replacement?

Most comprehensive auto insurance policies include coverage for windshield damage. Depending on your policy and the nature of the damage, your insurance may cover:

• Repair costs: Many insurers fully cover repairs for small chips or cracks to prevent further damage.
• Replacement costs: If the windshield damage is too severe to repair, insurance may cover the cost of a full replacement.
• No-deductible options: In some states, insurers are required to offer no-deductible windshield repair or replacement, meaning you won’t have to pay out of pocket.

Common types of coverage

1. Comprehensive coverage: Protects against non-collision events like weather damage, vandalism, or debris-related cracks and chips. This is the most common type of coverage for windshield damage.
2. Full glass coverage: An optional add-on in some policies that covers glass damage with no deductible, regardless of the cause.
3. Collision coverage: Covers windshield damage caused by accidents with another vehicle or object. A deductible may apply.

Steps to use insurance for windshield damage

If your windshield is damaged and you’re considering filing an insurance claim, here’s how to get started:

1. Assess the damage

Inspect your windshield to determine the severity of the issue:

• Repairable damage: Small chips or cracks less than three inches can often be repaired.
• Replacement required: Larger cracks, deep chips, or damage affecting the driver’s line of sight typically require replacement.

Knowing the extent of the damage will help you decide whether to file a claim.

2. Review your insurance policy

Check your insurance policy to confirm:

• Coverage for windshield repair or replacement: Look for details about comprehensive or full glass coverage.
• Deductible amounts: Determine whether your deductible applies to windshield claims.
• Preferred providers: Some insurers have partnerships with specific auto glass companies, which may simplify the claims process.

3. Contact your insurance provider

Notify your insurer about the damage and provide the necessary details. Be prepared to share:

• Policy number: For quick identification of your account.
• Description of the damage: Include the size, location, and cause of the damage.
• Photos (if required): Some insurers may request images of the damage for verification.

Your insurer will guide you on the next steps and explain whether you’re eligible for repair or replacement.

4. Choose an auto glass repair shop

Your insurer may recommend a network of approved auto glass providers. Using these providers can:

• Speed up the claims process: Many approved shops can handle billing directly with your insurer.
• Ensure quality service: Network providers typically meet your insurer’s standards for repair or replacement.

You can also choose a shop outside the network, but confirm coverage details with your insurer first.

5. File the claim

Once the repair or replacement is scheduled, file your claim. The auto glass shop may assist with this step by submitting the necessary paperwork directly to your insurer.

6. Pay any applicable deductible

If your policy has a deductible, you’ll need to pay it to the repair shop. In states with no-deductible windshield laws, this step may not apply.

Benefits of using insurance for windshield damage

Filing an insurance claim for windshield repair or replacement offers several advantages:

1. Lower out-of-pocket costs: Comprehensive and full glass coverage often minimizes your expenses.
2. Convenience: Insurance-approved repair shops streamline the process, saving you time.
3. Preservation of vehicle value: Prompt repairs or replacements prevent further damage and maintain your vehicle’s resale value.
4. Safety assurance: Driving with a damaged windshield compromises your safety. Insurance allows you to address the issue promptly.

Frequently asked questions

Will filing a windshield claim affect my premiums?

In most cases, filing a claim for windshield repair or replacement under comprehensive coverage does not impact your premiums. However, check with your insurer to confirm their specific policies.

Can I choose my own repair shop?

Yes, but if you use a shop outside your insurer’s preferred network, you may need to pay upfront and seek reimbursement. Always verify coverage details before proceeding.

What if I don’t have comprehensive coverage?

If you don’t have comprehensive coverage, you’ll need to cover the cost of the repair or replacement yourself. Check with your insurer to see if you can add full glass coverage to your policy for future incidents.

Tips for a smooth insurance claim process

• Act quickly: Address windshield damage as soon as possible to prevent further issues.
• Document everything: Take photos of the damage and keep receipts for repairs or replacements.
• Follow insurer guidelines: Use approved providers and adhere to your policy’s terms to avoid complications.

Conclusion

Using insurance to cover windshield repair or replacement is a smart way to save money and ensure your vehicle remains safe to drive. By understanding your coverage, working with your insurer, and acting promptly, you can address windshield damage with minimal hassle.

If you’re dealing with windshield damage, Glass Inc’s windshield replacement and repair services can guide you through the process. Our team works with most major insurance providers, making it easy to file a claim and restore your vehicle’s glass.

Don’t let windshield damage slow you down. Contact us today to schedule a repair or replacement and get back on the road safely!