How to Use Insurance for Windshield Repairs
Learn how to efficiently navigate insurance claims for windshield repairs. Understand deductible considerations, potential premium impacts, and the step-by-step process to file a claim. Protect your vehicle with informed decisions and quick repairs, saving money and time.
Use Your Insurance for Windshield Repairs
Imagine driving on a bright sunny day when a small stone suddenly strikes your windshield, causing a chip. Small debris such as gravel, pebbles, ice, or even a bird can cause cracks or chips on your vehicle’s glass surfaces, including the windshield, sunroof, or side and rear windows.
Most auto policies cover repairs or replacements for damages caused by stones, storms, vandalism, or animals. However, having comprehensive coverage doesn’t always mean you must pay the deductible.
Before deciding to file an insurance claim, consider these points…
What is your deductible?
Check your comprehensive deductible before proceeding. Typically, insurance covers repair costs if the damage cost exceeds your deductible. If repair costs are less than your deductible, paying out-of-pocket might be better. For full windshield replacements, paying your deductible and filing a claim could be advantageous if repairs are costly.
Will filing a claim increase your insurance rates?
Generally, claims for chips, storms, or animal impacts don’t raise premiums. But if the damage results from a collision, filing a claim might lead to higher premiums upon renewal.
Steps to file a windshield damage claim:
Contact your insurer to report the damage via phone, online, or in person, and review your coverage details.
An insurance adjuster will assess the damage and approve coverage.
Get your windshield repaired. Some insurers partner with specific repair shops.
If you choose your repair shop, submit your invoice for reimbursement along with your claim.
