Windshield repair and windshield replacement are one of the most common repairs. Whether the damage is caused by a rock hitting your windshield and creating the need for a rock chip repair, tree branches or even vandalism can result in the need for a windshield repair or a windshield replacement. There are several ways your car could end up needing auto glass repair or auto glass replacement.

  • Pebbles and rocks hitting your windshield while driving
  • Storms can wreak havoc on your auto glass
  • A random vandalism event
  • Extreme heat or cold can cause problems for your windshield

Auto Glass Insurance Coverage

If your car windshield is damaged by something other than a car accident, you will likely pay for the windshield repair or windshield replacement using your comprehensive insurance coverage. However, it is important to understand that using your auto glass insurance is optional. Comprehensive insurance coverage normally pays for damage windshield if it was caused by one of the following:

  • Vandalism
  • Storms
  • Accidents involving animals (usually wildlife – deer)

Consider the Deductible

Before you file a claim with your insurance company to have an auto glass repair or auto glass replacement done, look at the cost of windshield repair or windshield replacement before you file the claim. Compare how much it costs for a rock chip repair or a cracked windshield repair, and a windshield replacement before you decide to let your insurance pay for the repair. You may be only saving $20 or in the long run it may cost you a lot more if your coverage is a once a year type of claim. If you were to need another auto glass repair done and it cost (example only) - $100 that certainly would not have been worth the money. Plus, the cost to have auto insurance, not only can it be costly, but also confusing.  

However, some auto insurance policies do include auto glass repair and auto glass replacement in your policy without a deductible. Call your insurance agent and find out before you start filling out the claim form.

The Possible Impact on Your Insurance Premium

In the majority of cases, a claim for auto glass damage that is not the direct result of an accident will not cause an increase in your auto insurance rates. However, the more claims you have on your insurance will probably increase your auto insurance rates, as you may be perceived as a high risk.

If you live in the Minneapolis, St Paul, Twin Cities area you are in luck because not only does Only 1 Auto Glass have highly trained glass technicians. They are friendly and always more than happy to help you with all of your auto glass repair and auto glass replacement needs, including assisting you with your auto insurance claim.



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