Will My Insurance Cover Windshield Replacement

 

Will My Insurance Cover Windshield Replacement?

Windshield damage is a common occurrence for vehicle owners. Whether it's a small chip from a flying pebble or a large crack caused by extreme temperatures, windshield damage can compromise your safety while driving. If you find yourself in this situation, you may be wondering: will my insurance cover windshield replacement? The answer isn't straightforward and can depend on several factors, including your insurance policy, the nature of the damage, and your state's laws. Here’s a breakdown of what you need to know.

Types of Coverage

1. Comprehensive Coverage

Comprehensive insurance generally covers damage to your vehicle that isn’t caused by a collision. This often includes windshield damage resulting from events like vandalism, falling objects, or natural disasters. If you have this type of coverage, it’s likely that your insurance will cover the cost of windshield replacement or repair, minus your deductible.

2. Collision Coverage

While collision coverage primarily deals with damage sustained from an accident with another vehicle or an object, it may also apply if the windshield is damaged during such an incident. However, using your collision coverage for windshield replacement may result in higher premiums after the claim is processed.

3. Liability Coverage

Liability insurance covers damage to other people's property and bodily injuries, but it does not cover damage to your vehicle – including your windshield. Therefore, if you have only liability coverage, you’re responsible for repair costs out-of-pocket.

Repair vs. Replacement

Insurance policies often distinguish between repairing and replacing a windshield. Most insurers prefer to repair a windshield if the damage is minor—typically a chip 6 inches or smaller in size. Repairs generally involve injecting resin into the damaged area and may cost significantly less than a full replacement. If the damage is extensive (e.g., cracks longer than 6 inches), a full replacement may be required, and that's where your comprehensive or collision insurance might come into play.

Deductibles

When considering whether your insurance will cover windshield replacement, it’s crucial to be aware of your policy's deductible. The deductible is the amount you will need to pay out-of-pocket before your insurance kicks in. Many insurance companies have a specific deductible for glass repair or replacement, which may be lower than your regular deductible. If the cost of repair or replacement is less than your deductible, it’s often better to pay for the repair yourself rather than file a claim, as this can help you avoid potential premium increases.

State Laws and Regulations

Interestingly, some states have laws that require insurers to offer windshield repair at no cost or with a lower deductible. For instance, in states like Florida and Kentucky, policyholders might be able to repair or replace their windshields without incurring any out-of-pocket costs. If you live in one of these states, understanding your rights can save you money.

Steps to Take

If you suspect that your windshield is damaged and might need repair or replacement, follow these steps:

1. Assess the Damage: Determine whether the damage is minor (repairable) or significant (requires replacement).

2. Check Your Policy: Review your insurance policy to understand your coverage. Contact your insurance agent if you have questions.

3. Document the Damage: Take pictures of the damage to provide evidence for your claim.

4. Contact Your Insurer: File a claim if you believe your coverage will allow for repair or replacement. Your insurer can guide you through the process.

5. Choose a Service Provider: After confirming coverage, you can select an auto glass repair shop. Many insurance companies have partnerships with certain shops, which could make the claims process smoother.

Conclusion

In conclusion, whether your insurance will cover windshield replacement depends on your specific insurance policy, the type of damage, your deductible, and where you live. If you have comprehensive or collision coverage, there’s a good chance that you’ll be covered, but it’s essential to know the details of your policy. Always assess the damage, consult your insurance, and understand your state’s regulations to navigate this process effectively. Don't let windshield damage compromise your safety—understanding your insurance options can help you address it swiftly and effectively.

If you're in the Richmond, VA area in need of auto glass service. Perfect Touch Auto Glass has you covered. Visit our website www.ptagrva.com for more information.