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Should I Use Insurance to Replace My Windshield?

cracked windshield

Windshield Replacement – What's Covered

If your windshield is damaged one of the first questions you’ll ask yourself is, “Should I use insurance to replace my damaged windshield?” Since most comprehensive auto policies do cover auto glass damage—including the cost of windshield replacement—for most people the answer to this question is “Yes!” However, depending on your deductible and policy coverage this answer could change. You’ll need to determine if your policy covers this kind of damage and whether it makes sense to use your policy coverage to replace your damaged windshield.

Does My Policy Cover Windshield Replacement?

Windshield damage not related to an accident with another vehicle is usually covered under the comprehensive portion of your insurance policy. This comprehensive coverage pays for repairs and/or replacement from damage caused by road hazards. If the damage is the result of an accident with another vehicle, then your collision coverage would apply.

First, check your policy to confirm if you have comprehensive coverage. If so, check the deductible on your policy. Although deductibles vary between policies, most range between $50 to $2,000. Depending on the extent of your damage, windshield repairs or a full replacement usually cost between $100 and $400. If your windshield replacement costs $400 and your deductible is $250, you'll only pay $250 and your insurer will pick up the remaining $150.

In some cases, the policy coverage for an auto glass deductible is lower than the comprehensive deductible. For example, in states like Florida, South Carolina, and Kentucky, drivers cannot be charged a deductible for windshield repair or replacement. However, states like Arizona, Connecticut, Minnesota, and New York allow drivers to choose a lower deductible for glass repair. Some insurance companies will even waive the deductible for windshield repair or replacement regardless of where you live. Be sure to check with your local auto policy agent to confirm what’s covered under your policy.

Once you determine that your policy covers replacement of your windshield, the next step is to contact a local glass professional like Glass Doctor—they can answer any questions you have and file all the necessary paperwork with your insurance company to get your claim processed correctly.

Regardless of the extent of the damage, once you determine you’re going to use insurance to replace your windshield, it’s always best to call a professional like Glass Doctor who specializes in windshield replacement as soon as possible.

What Happens to My Deductible After I File?

The answer to the question, “What happens after I file my claim?” can vary based on your insurance company. However, it’s important to address any damage to your windshield right away. Even a relatively small crack in your windshield can quickly spread and become a bigger issue. A damaged windshield could compromise the stability of your entire vehicle and put your safety and the safety of your passengers at risk. Again, it’s best to contact your local Glass Doctor specialist to get help with filing a claim to replace your windshield.

The professionals at Glass Doctor have the experience and expertise to get your windshield replaced quickly and hassle-free. All work is guaranteed and, with the windshield protection plan, you’re covered for unlimited repairs and one replacement for up to 12 months. A damaged windshield can be annoying, but getting it replaced doesn’t have to be. Call the auto glass pros at Glass Doctor today!