Insurance – How to Navigate my Windshield Repair or Replacement

Windshield Repair or Replacement Navigation Guide

Driving with a damaged windshield can lead to a serious collision that may cost you your life as well as the lives of the other occupants in your vehicle. Cracks can leave your without full visibility while driving, which can pose an immediate threat on the road. You can even be ticketed for driving with a damaged windshield. Whether the damage falls on the front windshield or the back glass (rear windshield), it’s best to find an immediate fix to ensure your safety.

Windshield Repair Navigation Guide - Insurance or Self Pay?

We want to help you navigate through the process of windshield repair and replacement, and to understand how insurance plays a part in your repairs. Small chips can lead to larger cracks, requiring a complete windshield replacement and more dollars out the door. Windshield repair and replacement, if done by the right company, can be a breeze, even without insurance. Our technicians will work with your insurance company and are convenient and able to come to you to complete the necessary repairs to your vehicle.

  1. Educate yourself on your repair options. Chips and cracks in your front windshield that are smaller than the size of a credit card can often be repaired without needing a full replacement of the glass, IF they are not in the driver’s line of sight.
  1. Seek professional assistance. When deciding whether or not to file a claim, speak with an expert technician to determine repair costs and the extent of the damage. Consult with your insurance agent to find the safest and most cost-effective route.
  1. Understand your Insurance Policy. Review your insurance policy with your agent and make an informed decision to know your financial responsibility ahead of time.
  1. Don’t delay! Once the damage is done, your best move is to seek repairs as soon as possible from a professional glass repair business. Being proactive about repairs will ensure your safety and make certain the damage as well as the repair costs do not compound.

Will Your Insurance Cover the Cost?

If you have a comprehensive insurance policy, the costs will often be covered in full. On the other hand, if you are planning to pay without insurance, it’s good to know the range of the potential overall repair cost and the factors that play into pricing ahead of time. Knowing your options helps to set the stage for a sound solution.

  • Option 1: Windshield Damage Repairs

As noted above, windshield repairs are often fully covered by comprehensive insurance plans and won’t affect your insurance rates.

  • Option 2: Full Windshield Replacement

A full windshield replacement will be partially covered by your insurance company with deductible costs paid by the policyholder. Out-of-pocket cost varies depending on the following factors: the make and model of your vehicle, the location of the damage and the extent of the damage, and the features that are part of your windshield.    The policyholder is responsible for the total cost of the replacement if it is below the deductible. If the total cost is above the deductible, the policyholder is only responsible for the deductible and any remaining costs that are not covered by the policy.

For answers to any additional insurance questions, we recommend to seek advice from your insurance agent to review and validate the terms of your current policy.

Call Glass America today at (877) 734-6680