You might be asking yourself, “how do I know if my insurance covers windshield replacement?” The world of car insurance can be confusing, and it can be hard to know what is and isn’t covered. But don’t worry, we’re here to help.
Generally speaking, most car insurance policies cover windshield replacement. However, there are a few things you’ll want to keep in mind. For example, some policies only cover the cost of the replacement if you were to hit a deer or another animal. Other policies may only cover a portion of the replacement cost.
In this article, we’ll cover what windshield replacement is, how to know if your policy covers it, and the cost of replacement.
What Is Windshield Replacement?
Windshield replacement is the process of replacing a car’s windshield. The windshield is the piece of glass that sits in the front of the car and protects the driver and passengers from wind and debris. If the windshield is cracked or damaged, it needs to be replaced. Windshield repairs are not usually enough to fix the damage. Your insurance company may cover the cost of a replacement windshield if your car is damaged in a car accident.
How to Know if Your Policy Covers It
The best way to know if your policy covers replacement is to read your policy documents. This information will be listed in the insurance contract you have with your car insurance company. If you don’t have your policy documents handy, you can give your insurance company a call and they will be able to tell you if your policy covers windshield replacement.
If you have comprehensive coverage, your policy will likely cover the cost of a replacement windshield. Comprehensive coverage is an optional type of coverage that you can add to your policy. It covers damages to your car that are not caused by a car accident, like vandalism or a natural disaster.
Comprehensive insurance is not mandatory in most states, so you may not have it on your policy. If you don’t have comprehensive coverage and your windshield is damaged, you will likely have to pay for the replacement yourself.
If you have collision insurance, your policy will likely not cover the cost of a replacement windshield. Collision insurance is also an optional type of coverage and it covers damages to your car that are caused by a car accident. If you don’t have collision insurance and your windshield is damaged, you will likely have to pay for the replacement yourself. Optional coverage like collision insurance is not mandatory in most states.
Glass coverage or full glass coverage is another type of coverage that may help you pay for a replacement windshield. Glass coverage is a mandatory type of coverage in some states. It covers damages to your car that are caused by something hitting the windshield, like a rock or a piece of debris. If you have glass coverage and your windshield is damaged, your insurance company will help pay for the replacement. Your insurance policy will list whether you have glass coverage. Filing a glass claim may raise your rates, so you may want to weigh the costs and benefits before filing a claim.
How much does windshield replacement cost?
The cost of auto glass replacement can vary depending on the make and model of your car, the type of glass used, and the labor costs. On average, the cost of a windshield replacement is around $300-$500. However, the cost can be higher or lower depending on your location and the type of windshield replacement you get.
If your insurance policy covers windshield replacement, you will likely only have to pay a small deductible. The deductible is the amount of money you have to pay out of pocket before your insurance company will start covering expenses. For example, if your deductible is $100 and the cost of a replacement windshield is $400, you will have to pay $100 and your insurance company will pay the rest. On a comprehensive coverage policy, the deductible is usually $500 or more.
If you do not have comprehensive coverage and need to pay for the replacement windshield yourself, you can expect to spend around $600-$1,000. A new windshield usually comes with a warranty, so you may not have to pay for another replacement for a few years.
Auto glass replacement can be expensive, but it is important to have a safe and functional windshield in your car. If you are unsure whether or not your policy covers windshield replacement, speak to your insurance company. They will be able to tell you what type of coverage you have and whether or not it covers windshield replacement.
If you don’t have comprehensive coverage on your policy and need to get a replacement windshield, you will likely have to pay for the entire cost yourself. However, if you have a cracked windshield, you may be able to get a windshield repair instead of a replacement. Windshield repairs are usually less expensive than replacements, so it’s worth checking with your insurance company to see if they offer this option.
Replacement is a necessary process if your windshield is damaged. If you’re not sure if your policy covers it, contact your insurance company and they will be able to tell you. The cost of replacement can vary depending on your car and the type of replacement you get, but it’s typically around $300-$500. Be sure to shop around for the best price before getting a replacement. Your car insurance company may also have a preferred vendor they work with who can offer you a discount.
Is Windshield Replacement Covered by Insurance?
Ultimately, the answer is it depends. Your car insurance company will be able to tell you if your policy includes windshield replacement coverage. If it doesn’t, you may be able to add comprehensive coverage for a small additional monthly premium. The average cost of a windshield replacement is around $300-$500, so it’s worth considering if you don’t have this coverage already. If your car is damaged and you need to get a replacement windshield, it is important to act quickly. Most insurance companies have a time limit on how long you have to file a claim after the accident.
Comprehensive claims may also cause your rates to go up, so you should weigh the costs and benefits before filing a claim. Filing a glass claim may not be worth it if you only have liability coverage and the damages are under your deductible amount. However, if you have comprehensive coverage, it is likely worth filing a claim to get your windshield replaced.
Windshield replacement can be expensive, but it’s a necessary process to keep you and your passengers safe. If you’re not sure if your policy covers it, contact your insurance company and they will be able to tell you. You can also shop around for the best price before getting a replacement. Most car insurance companies have a preferred vendor they work with who can offer you a discount.
At 2nd Chance Autoglass, we can work with any major insurance company to get your windshield replacement covered. We also have a wide variety of windshields in stock, so we can usually get you a new windshield the same day. Contact us today for a free quote!