It’s important to understand what your insurance will pay for when it comes to windshield repair. Read this guide for basic information, along with a list a questions to ask your research provider.
Type of Insurance Coverage: Comprehensive Coverage
This is the portion of your insurance where windshield repairs and replacements are most likely to be covered. Comprehensive Coverage covers most vehicle damages that have not been cause by collision, however you may have to inquire as to whether windshield repair is in your plan. Auto insurance companies may only include certain windows, and not your windshield, within your coverage. It’s important to call your insurance company and make sure that windshield repair and replacement is within your Comprehensive Coverage.
Filing the Claim: Is It Worth It?
There are pros and cons to filing a claim with your insurance in order to fix or replace a windshield.
On the positive side, it can save you a lot of money if you have a low deductible. Simply pay the deductible (or nothing, depending on your carrier) and be back on your way. If you don’t have a low deductible, try to find a glass repair service that offers cashback with a windshield repair if you pay through insurance. For example, Mr. Glassworks gives $100.00 cash to the customer if they pay for their repair through insurance. This can help you save money overall, time, and the stress that a broken windshield would bring.
On the negative side, filing a claim may end up costing you more that the repair was worth because it may cause your insurance renewal to increase. Even if it is a small repair, the claim will still exist on your record. But don’t fret—for small repairs, there are ways to inexpensively fix them yourself.
If you’re an Arizona resident, ask your insurance provider about adding a glass waiver to your policy. This will give you a $0.00 deductible for glass repairs.
Choosing Where to Get the Repair: What Options Do You Have?
There are only two options when choosing a glass repair company. If filing through insurance, they may recommend a repair shop with whom they have a contract. In order to get the coverage, you must have the repair done there. Insurance companies will often provide options for you to choose from; you will still be able to pick a repair shop that you feel comfortable with.
Another option is performing research on your own and finding the right glass repair shop for your needs. Some insurance companies may even provide reimbursements as long as the repairs come from a reputable company. After the repair, you simply submit the receipt from the repair along with your name, policy number, phone number, and date of damage. Of course, always make sure to talk with your provider to clarify reimbursement status.
Talking with Your Insurance
There’s no one right answer for every person, so make sure to call your insurance provider and check what your plan covers. Here is a quick checklist of what to ask:
- Is my entire windshield repair included in my comprehensive coverage?
- Will my plan cover the purchase of a completely new windshield, if need be?
- What is my current deductible amount for a windshield repair?
- Will filing a claim cause my renewal to increase dramatically?
- Which repair shops do you have contracts with?
- Do I qualify for reimbursement if I seek the repairs myself? What is the process for submitting my receipts?
Ultimately, it is your decision whether paying with insurance is right for you. Make sure that you know the ins and outs of your coverage so that you are prepared when you need a windshield repair or replacement.
23 Comments
I like what you said about talking with your insurance and finding out if you can get coverage for a repair like this. My windshield recently cracked when it got hit by a small rock. I'm looking into repairs and seeing what my options are.
I want to make sure that I get my windshield repaired properly. It makes sense that I would want to see if my insurance covers it! That way I don't have to worry about paying too much for it.
My windshield was damaged, so I want to see if I can have it repaired. It makes sense that I would want to see if I can get insurance to cover it. That would make it a lot easier for me.
That's a good idea to ask your insurance company to see if they recommend anyone to fix your windshield. I have heard that some companies will give you a discount if you go to a shop that they recommend. I'll have to ask my agent to see if they will do that when I need to fix my windshield.
I like what you said about performing research of your own in order to find a glass repair shop. When it comes to fixing a window of any size, it's best to find a glass company that has the right tools for the job. If I were to notice severe damage on my windows, I would make sure to find a glass company that could make repairs in a timely manner.
The other day my sister told me that she was looking to get a windshield replacement. It makes sense that some companies will need reimbursement. This is a great thing for her to keep in mind as she looks.
I found it interesting how you mentioned how some insurance companies cover the cost of a windshield repair because it will help you drive safer. My wife and I were driving a couple of months back when a semi truck kicked a rock into our windshield, chipping it in the process. Now that we know that insurance companies can cover the cost, I will keep this in mind as we search for a windshield repair service near us!
I want to make sure that I get my windshield repaired properly. It makes sense that I would want to see if I can get my insurance to cover some of it. That way, I don't have to worry about spending too much on the repairs.
My windshield got damaged, and I'm not sure what to do. It makes sense that I would want to see if I can get insurance to cover this! I'll be sure to get a professional to fix or replace it either way.
That's good to know that if you go through your insurance for a window repair, the insurance company may recommend a repair shop for you to use. My husband's car has a large crack down the middle of the windshield. We'll have to make sure to get it fixed before winter starts.
That's a good idea to ask your insurance company if you can receive reimbursement when you seek the repairs yourself. While I was driving on the freeway yesterday, a truck kicked up multiple rocks and I now have two chips in my windshield. I will definitely speak with my insurance company to see if they cover windshield repair.
I want to make sure that I take good care of my windshield. It makes sense that I would want to ensure that it's covered by my insurance! That way, I can ensure that it's easy to get it repaired or replaced if I need that to be done. I'll be sure to find a good professional who can handle those kinds of repairs.
My partner drove on a dirt road the other day in our truck and unfortunately, a few of the windows got chipped. It's helpful to know that our insurance will probably recommend a repair company nearby. If not, I'll start looking around and comparing the rates and reviews of local shops.
My partner was driving through a construction zone recently and had a rock pop up and crack the windshield. We need to get it fixed soon so that we can pass safety and emissions next month. It's great to know that we need to ask our insurance if they will actually cover the cost of a new windshield.
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My windshield was cracked when I was driving on the freeway, so I want to make sure that it gets repaired properly. It makes sense that I would want to get a professional to fix it for me! I'll be sure to see if I can find one that is covered by insurance. That way, I can ensure that this is easy to pay for.
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My windshield got cracked, and I'm not sure what to do about it. It's good to know that this could cost less thanks to insurance. I'll be sure to file it properly and then go to a professional that specializes in windshield repair. That way, I can ensure that it gets done properly.
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Thanks for explaining how windshield repair is related to insurance. I am thinking about getting mine replaced. I have gotten several cracks in it throughout the years.
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