Should I Use Insurance to Replace Windshield

When a windshield is broken the first question you should ask yourself is, "Should I use insurance to replace windshield?" And because most car insurance companies offer auto glass damage

When a windshield is broken the first question you should ask yourself is, "Should I use insurance to replace windshield?" And because most car insurance companies offer auto glass damage policies, including windshield replacement cost, the answer is “Yes!” But depending on the policy and deductible cover this answer may vary. Therefore, check whether your auto insurance company covers this type of damage or not.

Does Insurance Cover Windshield Replacement?   

It's important to know that windshield damaged by another vehicle isn’t covered under the comprehensive auto insurance policy.  The policy only covers replacement or repairs from the damage caused by a road accident.  Therefore check out whether your policy has a comprehensive auto policy or not.  If yes, check the deductible on your policy. 

How much does it cost for windshield replacement? Though the cost varies from one insurance to another, ranges between $50-$2000. Depending on your damage, windshield replacement cost between $100 and $400.  For example, if your replacement costs $400 and the ductile fee $250, you’ll pay $250. Then, an insurance company will pay the rest $150.

Sometimes the policy for auto glass deductible is less than the comprehensive one.  For instance, in states such as Kentucky, Florida, and South Carolina, drivers don’t pay for windshield replacement or repair.  But in states like New York, Arizona, Minnesota, and Connecticut, drivers pay less deductible for glass repair.   

Other insurance companies waive the deductible for windshield replacement regardless of where you live. So, check out with your insurance to know what's covered under the policy and what’s not covered.  After finding a windshield replacement cover, look for a glass professional like Glass Doctor.  The professional will help you file the necessary paperwork and answer any questions to get your claim processed quickly.

What happens to the deductible after I file the claim?

The answer varies depending on the insurer. But it’s important to address the damage right away.  Remember, a small crack on the windshield may spread and become a major issue. 

A damaged windshield may interfere with the stability of the vehicle and even put you and your passengers at risk.   Plus, it can be annoying, so contact the insurance as soon as possible.