Is Windshield Repair Covered By Insurance?

When you find yourself dealing with a cracked or chipped windshield, one of the first questions that comes to mind is, “Is windshield repair covered by insurance?” Understanding the ins and outs of auto insurance policies can be confusing, but this guide will help clarify the details and provide you with a comprehensive understanding of your coverage options.

Auto Insurance Coverage for Windshield Repair

Types of Auto Insurance Coverage

Auto insurance policies come with various types of coverage that can affect whether your windshield repair is covered:

Comprehensive Coverage: 

This is the most common type of coverage that includes windshield repair. Comprehensive insurance covers damage to your vehicle that is not caused by a collision, such as theft, vandalism, natural disasters, and falling objects. If a rock hits your windshield while driving, comprehensive coverage will typically cover the repair costs.

Collision Coverage: 

This type of coverage pays for damage to your vehicle resulting from a collision with another vehicle or object. While it primarily covers body damage, it can also apply to windshield damage if the damage is part of the overall collision repair.

Liability Coverage: 

Liability insurance covers damages you cause to another person or their property in an accident. It does not cover repairs to your vehicle, including the windshield.

Glass Coverage: 

Some insurance policies offer a specific glass coverage option. This can be an add-on to your existing policy and usually covers the repair or replacement of your windshield without requiring you to pay a deductible.

Deductibles and Repair Costs

A deductible is the amount you pay out of pocket before your insurance coverage kicks in. When it comes to windshield repair, it’s important to understand your policy’s deductible:

• Low or No Deductible: Some comprehensive coverage policies have low or no deductibles for windshield repair. This means that if you have a small chip or crack, your insurance may cover the entire cost without requiring any payment from you.
  
  
• High Deductible: If your policy has a high deductible, you may end up paying for the repair out of pocket if the cost of the repair is less than your deductible. For example, if your deductible is $500 and the repair cost is $300, you will need to pay for the repair yourself.
  
  

Steps to Determine If Your Windshield Repair Is Covered

1. Review Your Policy: The first step is to review your auto insurance policy or contact your insurance provider. Look for comprehensive coverage details and any specific glass coverage options.
   
   
2. Check for Deductibles: Identify the deductible amounts for comprehensive and glass coverage. This will help you determine whether your repair will be fully covered or if you’ll need to pay a portion out of pocket.
   
   
3. Document the Damage: Take photos of the windshield damage and note the date and circumstances under which it occurred. This documentation may be required when filing a claim.
   
   
4. Get a Repair Estimate: Contact a reputable auto glass repair shop like GlassFixit to get an estimate for the repair. Provide this estimate to your insurance company when filing a claim.
   
   

Filing an Insurance Claim for Windshield Repair

If your insurance policy covers windshield repair, follow these steps to file a claim:

1. Contact Your Insurance Provider: Call your insurance company or use their online portal to report the damage and start the claims process.
   
   
2. Provide Necessary Documentation: Submit the photos and details of the damage, along with the repair estimate from the auto glass shop.
   
   
3. Schedule the Repair: Once your claim is approved, schedule an appointment with the auto glass repair shop. Some insurance companies may even have preferred vendors or partners that they recommend.
   
   
4. Pay the Deductible (if applicable): If your policy includes a deductible, be prepared to pay it at the time of repair. The insurance company will cover the remaining cost.
   
   

Benefits of Getting Your Windshield Repaired

Addressing windshield damage promptly is crucial for several reasons:

• Safety: A damaged windshield can impair your visibility and compromise the structural integrity of your vehicle. Repairing it ensures you have a clear view of the road and maintains the safety features of your car.
  
  
• Cost Savings: Repairing a small chip or crack is often less expensive than replacing the entire windshield. Addressing the damage early can prevent it from spreading and requiring a full replacement.
  
  
• Insurance Rates: Keeping your vehicle in good condition and addressing damages promptly can positively impact your insurance rates. Neglecting repairs can lead to more significant issues that may result in higher claims and increased premiums.
  
  

Common Myths About Windshield Repair and Insurance

Myth 1: Windshield Repair Always Increases Premiums

Many drivers fear that filing a claim for windshield repair will lead to higher insurance premiums. However, most insurance companies do not increase premiums for minor claims like windshield repair, especially if you have comprehensive coverage. Always check with your provider to understand their specific policies.

Myth 2: Only OEM Windshields Are Covered

Some believe that insurance will only cover Original Equipment Manufacturer (OEM) windshields. In reality, most insurance policies cover both OEM and aftermarket windshields, as long as they meet the safety and quality standards required by law.

Myth 3: DIY Repairs Are Just as Effective

While DIY repair kits are available, they are not always as effective as professional repairs. Insurance companies prefer repairs done by certified technicians to ensure the highest quality and safety standards are met.

Choosing the Right Auto Glass Repair Shop

When selecting an auto glass repair shop, consider the following factors:

• Reputation: Look for a shop with positive reviews and a solid reputation in the community. GlassFixit, for example, is known for its high-quality repairs and excellent customer service.
  
  
• Certification: Ensure the technicians are certified and experienced in auto glass repair. Certified technicians are more likely to provide reliable and safe repairs.
  
  
• Warranty: Choose a shop that offers a warranty on their work. A good warranty indicates confidence in their craftsmanship and provides peace of mind for you.
  
  
• Insurance Partnerships: Some repair shops have partnerships with insurance companies, making the claims process smoother and more efficient.
  
  

Conclusion

In conclusion, whether your windshield repair is covered by insurance depends on the specifics of your policy. Comprehensive coverage and glass coverage options typically include windshield repair, often with low or no deductibles. By understanding your policy, documenting the damage, and choosing a reputable repair shop like GlassFixit, you can ensure a smooth and hassle-free repair process.

Addressing windshield damage promptly not only keeps you safe on the road but can also save you money and maintain your insurance rates. If you’re ever in doubt, contact your insurance provider for clarification and take the necessary steps to get your windshield repaired as soon as possible.

For professional auto glass repair and replacement services in Santa Clara County, trust GlassFixit to get the job done right. Contact us today for a free estimate and let us help you get back on the road safely.