Is Windshield Repair & Replacement Covered By Insurance?

Is Windshield Repair & Replacement Covered By Insurance?

Dec 07, 2023

Ensuring a clear view of the road is essential for safe driving, and a pristine windshield plays a pivotal role in maintaining visibility. But, accidents do happen and your vehicle’s auto glass can be affected. Depending on where you live and what your specific auto insurance policy is, there’s a good chance that windshield replacement/repairs could be 100% covered. In some cases, insurance companies offer coverage for windshield damage, but it may not cover 100% of the costs, and there may be deductibles and limitations to consider. 

It's crucial to review your insurance policy and understand the specific terms and coverage details related to windshield repair or replacement. Coverage can differ based on the insurance company, the type of policy you have, and the state laws governing insurance. If you're unsure about the coverage provided by your policy or the regulations in your state, contacting your insurance provider directly or consulting with a legal professional knowledgeable about insurance laws in your area can provide clarity.

Here are some important points to keep in mind:

Comprehensive Coverage: Windshield damage is typically covered under the comprehensive portion of an auto insurance policy. Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision, such as theft, vandalism, or damage from natural events like hail or falling tree branches.

Deductible: Most comprehensive insurance policies have a deductible, which is the amount you're responsible for paying out of pocket before your insurance coverage kicks in. Deductibles can vary, and you'll need to pay this amount before the insurance company covers the rest of the repair or replacement costs.

State Laws and Regulations: The coverage and rules for windshield replacement and repair vary by state. Some states have specific regulations that affect insurance coverage for windshields. For example, in some states, insurance companies are required to provide full coverage for windshield repairs without applying a deductible. In other states, deductibles may still apply.

Repair vs. Replacement: In many cases, insurance companies prefer to pay for windshield repair when possible because it is often less expensive than full replacement. Repairs are typically used for small cracks and chips that do not compromise the structural integrity of the windshield. If the damage is extensive or the integrity of the windshield is compromised, a full replacement may be necessary.

Coverage Limits: Insurance policies may have coverage limits for windshield repairs or replacements. To determine the specifics of your insurance coverage, contact your insurance provider and review your policy documents. They can provide information about your deductible, coverage limits, and any state-specific regulations that may apply. Keep in mind that filing a claim for windshield damage can affect your insurance rates, so you should weigh the costs and benefits before deciding to file a claim.

Glass America is Your One-Stop-Shop Should you need to repair or replace your vehicle’s windshield, Glass America understands the insurance billing process and we have an outstanding reputation with insurance companies and agents throughout the country. We handle all the insurance payment and reimbursement paperwork and make sure your claim is processed properly and expeditiously.

In addition to handling your insurance needs, we offer free mobile service to make things as convenient as possible! We know that dealing with a cracked windshield is typically an unexpected event that requires a fast response. Glass America's trained and certified technicians will come to your home, business, or designated location at no extra charge. One call does it all and our courteous, professional customer service representatives will make every effort to schedule the repair at your earliest convenience.


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