Does Insurance Cover Windshield Replacement?

What would happen if you collided with another vehicle, or some other vehicle bumped into yours? Without auto insurance, you must shell out from your pockets for every expense: medical, car repair bills, and more.

You cannot avoid or delay fixing some car components by citing financial reasons. One such car part that needs immediate repair or replacement is your windshield, given its role in your safety and vehicle integrity.

But is windshield replacement covered by insurance? This post answers this question and explores different types of windshield insurance coverage. We’ll also explore deductibles and factors that can help us decide if a windshield replacement with insurance is worth it.

Understanding Windshield Insurance Coverage

Understanding auto insurance coverage can help determine whether it covers windshield replacement or repairs.

Let’s take a deeper look at the many forms of auto insurance coverage that can include windshield replacement:

1. Collision Coverage

Collision insurance covers windshield damage caused by an accident, such as a collision with another car or object. However, before the insurance coverage begins, you may be required to pay a deductible. This policy is intended to protect you if your windshield is damaged in a collision; however, you will be responsible for paying the deductible first.

2. Comprehensive Coverage

Comprehensive insurance covers windscreen damage resulting from events other than collision, like natural causes or vandalism. It is also known as auto glass coverage. Comprehensive insurance covers windshield repair or replacement expenses.

However, depending on your insurance provider or state, you may have to pay a deductible before insurance pays for your windshield.

3. Auto Glass Coverage

This type of coverage is available in some areas and includes windshield repair and replacement. This windshield insurance policy covers minor damage to your windshield. You pay either a very low deductible or nothing.

Many insurance companies don’t levy deductibles even without auto glass coverage if your windshield damage is just a minimal chip or crack that can be repaired.

It always pays to read through your insurance policies and confirm your coverage specifications. Some auto insurance providers might restrict the frequency of your windshield-related claims.

Using Insurance for Windshield Replacement: Factors to Consider

Whether you need to use your insurance for windshield repair or replacement is a personal choice. However, consider certain factors before deciding to use your windshield insurance.

1. Deductible

The deductible is the amount you must pay out of pocket before your insurance will cover the remainder. If the cost of replacing your windshield is near to or less than your deductible, it may not be worth filing a claim.

However, if your windshield has modern safety features such as a Driver Assistance System (ADAS), the replacement cost may be much higher, making it worth claiming.

2. The Severity of Damage

Minor chips or cracks frequently do not require complete replacement and can be repaired at a moderate cost. In these circumstances, paying out of pocket is usually less expensive than submitting an insurance claim. However, if the damage is substantial and the windshield needs to be replaced, using your insurance makes more sense.

3. Impact of the Insurance Claim on Premiums

Windshield claims typically have minimal to no impact on your insurance prices. However, frequent claims may increase your rates over time. If you have a history of claims, it may be prudent to consider the long-term costs before filing another.

How to File a Claim for Windshield Damage?

There are two primary methods for filing a windshield damage claim: directly with your insurance company or through a vehicle glass repair shop.

Through Your Insurance Provider

You can contact your insurance provider by phone, online, or through the app.

• Provide all necessary information, such as the date and time of the incident, the degree of the damage, and any other pertinent information.
• If required, submit photographic evidence.
• Depending on your insurer, they may refer you to a preferred auto glass repair company or allow you to select one.

Through Auto Glass Shops

Many auto glass shops work directly with insurance companies to process claims on your behalf. When you visit a shop, they normally collect the necessary information, such as:

• Your policy number.
• Vehicle Specifics (Make, Model, and Year)
• Your deductible amount.
• Insurance provider information

Conclusion

Windshield damage is an unexpected automotive problem that can quickly escalate if not handled.

Fortunately, if you have adequate coverage, insurance can help cover the expenses. However, before submitting a claim, examine the deductible, the extent of the damage, and how it may affect your premiums.

If you live in Arizona, Colorado, or South Carolina and require dependable windshield replacement services, Nuvision Auto Glass works directly with major insurance companies. We waive comprehensive coverage deductibles for windshield replacements.

Get a quote immediately for a hassle-free, cost-effective windshield replacement, with or without insurance.