Insurance Tips for Windshield Repair and Replacement
Learn essential tips on filing insurance claims for windshield repairs and replacements. Understand deductibles, premium effects, and the step-by-step process to ensure smooth handling of your glass damage. Protect your vehicle efficiently with expert insights to help you decide whether to file a claim or pay out-of-pocket.
Insurance Tips for Windshield Repair and Replacement
Imagine cruising on a sunny day when suddenly, a small stone hits your windshield, causing a tiny chip. It's surprisingly easy for small debris, gravel, ice, or even a bird to cause cracks or chips in your car's glass, including the windshield, sunroof, or side and rear windows.
Most auto insurance plans cover repairs or replacements for damages caused by stones, storms, vandalism, or animals. Having comprehensive coverage often means you might avoid paying the deductible for these repairs.
What is your deductible?
Check your comprehensive deductible—most insurers will cover repair costs once the deductible is paid. For minor chips, paying out-of-pocket may be more economical than claiming, but for larger damages, filing a claim might be beneficial if repair costs exceed your deductible.
Impact on your insurance premiums
Generally, repairs due to stones, weather, or animals won’t raise your premium. However, if damages stem from accidents involving other vehicles, filing an insurance claim could increase your premiums upon renewal.
Steps to file a windshield claim:
- Contact your insurer to report the damage via phone, online, or in person. Your agent will clarify your coverage details.
- An adjuster will assess the damage and approve your claim if eligible.
- Arrange for windshield repair or replacement. Some insurers have preferred providers.
- If eligible, submit your invoice for reimbursement if you choose a repair shop outside their network.
