A great place to start when trying to understand whether your auto insurance will cover a windshield repair or a windshield replacement is to review your current insurance policy. Coverages to review and look for:
Comprehensive Coverage:
If your policy has comprehensive coverage it is highly likely that your insurance company will cover a windshield repair or replacement. This can be from debris, rocks, weather change, and even a completely shattered windshield.
Collision Coverage:
This type of coverage within your policy will typically only assist with repair and replacement costs if your windshield was cracked, chipped, or broken due to an auto collision/accident. Reminder, if the other driver is at fault for the accident, file a claim against the at fault party's insurance immediately and they should cover the cost of the damage.
If your insurance, unfortunately, does not cover your windshield repair or replacement needed, please still get the necessary repair/replacement completed as many states have laws against driving with a cracked windshield and it can put you and your passengers in danger.
While you are reviewing your auto insurance policy for coverage type(s) it will also be important to look into your Auto Insurance Deductible. Knowing your deductible will show you the expense you will be responsible for. If the deductible is lower that your quote for the service, going through insurance could save you lots of money! If the deductible is the same or higher than the auto glass service, there is no need to file a claim with your insurance provider.
If all of this seems still a little overwhelming or if you still have questions about using insurance for your windshield repair or replacement, Quick-Set Auto Glass will do the work for you! Just give us a call at (303)452-5378 with your insurance policy number and we can submit the claim for you and review your coverage with you as well. With this customer service and a free online quote we will make the entire process quick and easy!
From all of us here at Quick-Set Auto Glass, drive safely out there!
