Your windshield is both your window to the world and your fiercest protector on the road, but what happens when it cracks, chips, or shatters? It may seem simple to seek a replacement, but this option can become shockingly expensive. Luckily, your insurance plan may come in handy. Discover why you should use insurance when replacing your windshield and how your policy might just be your best friend in this situation.
The High Cost of Windshield Replacement
Depending on several factors, like the make and model of your car or the type of glass used, the cost of windshield replacement varies. In most situations, replacing a standard windshield costs anywhere between 250 and 1,000 dollars.
On the other hand, repairs to luxury vehicles or vehicles equipped with specialized features like lane departure systems or heated windshields can cost 1,500 or more. Additionally, labor fees can add around 100 to 300 dollars to the overall cost. For most drivers, these costs are steep, which is why having insurance can make a world of difference.
Does Your Insurance Cover Windshield Damage?
Before you rush to file a claim, make sure to thoroughly check what your auto insurance policy covers. Different plans vary, and understanding your coverage can save you from unexpected headaches.
Comprehensive Coverage Is Key
Your insurance will only pay for windshield replacement services if you have comprehensive coverage included in your plan. This type of policy typically covers non-collision-related damage, including:
- Cracks from flying debris or rocks
- Vandalism, such as smashed windows
- Natural events like hail, storms, or falling branches
If you only have liability insurance, it won’t cover windshield replacements since these plans don’t include vehicle repairs.
Deductibles Matter
Your deductible is the amount you’re responsible for paying before your insurance plan kicks in. However, some policies offer “zero-deductible glass coverage,” which means your insurer will cover the full cost of the windshield replacement without you paying a dime.
State-Specific Glass Coverage Laws
Certain states like Florida, South Carolina, and Kentucky require insurers to offer zero-deductible windshield replacement as part of any comprehensive policy. If you live in one of these states, you’re in luck!
Why Using Insurance for Windshield Replacement Is a Smart Move
You might be wondering why you shouldn’t just pay out-of-pocket to avoid filing an insurance claim. Though this is an option, using your insurance offers several money- and time-saving benefits.
1. Save Money
The most obvious reason to use insurance is cost savings—no one wants to drain their savings to fix their car. Plus, modern windshields are becoming increasingly complex and expensive due to modern vehicle technology. By choosing insurance, you can keep your money in your wallet for other expenses.
2. Maintain Safety Standards
Driving with a cracked or damaged windshield puts you and your passengers at a serious risk of accidents or other issues. Even the smallest chips or cracks significantly reduce visibility while altering the structural integrity of your vehicle in the event of an accident. Thankfully, using insurance allows you to replace your windshield promptly without delay due to cost concerns.
3. Streamline the Process
Many insurance providers have partnerships with trusted auto glass companies, making the process of filing a claim and getting a replacement straightforward. Some insurers even allow you to handle everything online, so you don’t need to deal with complicated paperwork or processes.
4. No Immediate Out-of-Pocket Expense (Zero-Deductible Option)
If your policy includes zero-deductible glass coverage, your repairs won’t cost you anything upfront. If you’re dealing with an unexpected expense or are on a tight budget, this can be especially beneficial.
5. Avoid Tickets or Fines
Did you know that driving with a cracked windshield can lead to a ticket in some states? Law enforcement officers can fine you for operating a vehicle that doesn’t meet safety standards. By using your insurance plan to promptly get a windshield replacement, you can avoid legal issues and additional fines.
Common Concerns About Filing an Insurance Claim
1. Will My Premiums Go Up?
One of the biggest concerns about filing a claim is the fear of increased premiums. However, windshield replacement claims typically don’t affect your rates, especially if the damage is a result of an unavoidable incident like flying road debris or natural elements like hail.
2. Isn’t Filing a Claim Complicated?
Since many auto insurance companies have streamlined the process for glass claims, filing glass claims is often a simple process. Plus, some providers even offer mobile apps where you can report damage, upload photos, and select a repair shop in minutes.
3. What if I Don’t Know Where To Go?
Insurers often have networks of approved repair shops or mobile services that come to your location. With this service, you won’t have to shop around. Instead, your provider will save you time and energy by directing you to reliable professionals.
Steps To Take After Windshield Damage
You’ve noticed a chip or crack in your windshield—what now? Follow these steps to guarantee a smooth repair or replacement process.
Assess the Damage
Determine whether the damage is minor (such as a small chip) or severe (like a long crack). You can often have chips smaller than a quarter repaired, while larger issues usually require a full replacement.
Check Your Insurance Policy
Review your auto insurance policy or contact your provider to confirm your comprehensive coverage and deductible amount.
File a Claim
Most insurers allow you to file a claim online or over the phone, but you should always provide details about the damage and any photos if requested.
Schedule the Repair or Replacement
Work with your insurer to choose a repair shop or service provider. If you’re struggling to find transportation to an auto shop, mobile services can come directly to your home or workplace for added convenience.
Repair or Replace Promptly
Never put off repairing or replacing a damaged windshield. Over time, the tiniest cracks can turn into unfixable problems if left untreated.
Keep Your Receipts
Keep any receipts and documentation related to the work done. If your insurance company has any future questions about the repair or replacement, you’ll have the answers on hand.
When it comes to your safety, delaying a windshield replacement isn’t worth the risk. Now that you know why you should use insurance when replacing a windshield, the replacement process doesn’t need to be costly or complicated. The next time your windshield cracks, contact your provider, file a claim, and seek services from the trained professionals at Fusion Windshield Repair.
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