When others are at fault, windshield damage is covered through your property damage liability insurance.
When does auto insurance cover my broken or damaged windshield?
There are four main cases in which your broken windshield will be covered by your insurance or someone else’s.
does it cover integral glass?
Comprehensive insurance is an optional coverage that is usually purchased with collision insurance. essentially, it protects your car from any type of damage not caused by another car, sometimes called “acts of god”.
While most policies cover your windshield, we recommend that you double check to see what events are covered, how much your windshield deductible is, and whether all of your glass is covered.
Does collision insurance cover windshield replacement?
In fact, collision coverage protects your car from any damage resulting from an accident you cause, either with another driver or a stationary object, like a tree.
Similar to comprehensive coverage, drivers generally have to pay a deductible for collision claims unless their insurance has a no-deductible windshield replacement program.
Will someone else’s insurance replace my windshield?
There are two cases where someone else’s insurance can fix your car:
If your auto insurance includes liability for property damage from uninsured or underinsured motorists, your insurance will pay for glass damage caused by someone else.
Should I file a broken windshield insurance claim?
The first thing to consider is the cost of the deductible versus the repair costs. Insurers subtract your deductible from the total amount claimed, so if your deductible is more than the price of windshield repair or replacement, you’ll get nothing from your insurer.
how much does it cost to repair or replace a windshield?
The cost to repair a windshield typically falls around $150 for a single chip or crack less than six inches. if your deductible exceeds that amount, you should not file a claim and simply pay out of pocket.
If you have a $50 or $100 deductible, we also recommend paying out of pocket. Even though a $50 deductible would still save about $70 from your insurance company, filing a claim can cause your rates to go up, especially if you’ve made previous claims.
Not only does replacing your windshield cost more, but the price also varies depending on the size and style of your vehicle. the windshield on high-end or high-tech vehicles tends to cost more to replace.
While a driver with a $500 deductible shouldn’t file a claim to replace the windshield on their Honda Civic or Ford F-150, it might make sense to do so if they were driving a Toyota Rav4.
does windshield replacement affect insurance rates?
Whether your insurance rates go up after a glass claim depends on the type of claim you make.
how to file a claim after your windshield breaks
Filing a broken glass claim follows the same process as other types of auto insurance claims. most companies allow you to call an agent or file a claim online. You should notify your auto insurance company of any damage to your car as soon as possible.
After you file your claim, your auto insurer may require you to take the car to a shop of your choice to inspect the damage. Some companies may require a specific company to replace your windshield. others may be more lenient and allow you to work with services like safelite or other local companies.
windshield repair and replacement costs are based on safelite glass quotes. We obtained quotes for four vehicles located in Charleston, S.C. replacement fees are the cheapest option offered – replacing a windshield with original manufacturer parts will increase the cost.