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  • How To Cover Windshield Repair Through Car Insurance

    How To Cover Windshield Repair Through Car Insurance

    Chipped, cracked, and broken windshields are one of the most common car repairs―especially for vehicle owners in northern states where gravel instead of road salt is used on snow covered roads. If you reside in such a state, or are prone to cracked windshields, you do have the option to cover glass replacement with your auto insurance.

    Cover Windshield Glass Repair With Car Insurance

    Most insurance companies will honor windshield replacement auto claims if you carry comprehensive insurance.

    Comprehensive, for the sake of clarity, covers you against "non-collision" car damage. This includes fire, theft, vandalism, and accidental occurrences. Hitting an elk, having an oak tree topple on to your car in a windstorm, or having a pebble crack your windshield all fit in the accidental occurrences category.

    Before buying comprehensive coverage, be sure that it specifically covers windshield repair and replacement. Even if you read the words "glass replacement," inquire if it is all inclusive. Glass replacement on some comprehensive protection plans only covers the side and back windows, but not the windshield.

    How to File a Windshield Repair or Replacement Claim

    Filing a windshield claim is no different than filing other car accident claims. Contact your insurance company or insurance agent with:

    • Your car insurance policy number.
    • The year, make, and model of your vehicle.
    • The date of when the damage occurred.

    If the damage is just a chip or a crack measuring less than six inches, it may be repairable―provided, of course, you act fast before the crack stretches across the entire windshield. Because the cost to repair a windshield is far less expensive than to replace one, many auto insurance companies will waive your deductible.

    Things to Consider Before Filing a Windshield Replacement Claim

    Before filing a windshield replacement claim, compare the cost of the replacement with the size of your comprehensive deductible. If, for instance, you have a deductible that's $500 or higher and the estimated repair cost is $420, it won't be worth your while to file a claim. The deductible will not cover the cost of the windshield.

    You should also think twice if, for example, you have a $250 deductible and the windshield repair cost is $280. You'll have to decide if saving $30 is worth filing the claim. Most reputable car insurance companies will not raise your premium rates over a windshield repair claim, but it will go on your insurance claim record. And the more claims you file the greater the chances of a hike in your auto insurance renewal rates.

    Additional Car Insurance Information

    Need more information on liability insurance? Or do you have questions about your state's auto insurance requirements? For answers to these questions and everything else related to car, boat and motorcycle insurance, visit our Insurance Center.