Did you know damaged vehicle windows and windshields generate more auto insurance claims than any other vehicle component? It’s true — so if you’ve chosen an auto insurance policy that covers auto glass repair or replacement, you’ve made a smart decision. That said, in the event that your vehicle requires a new windshield or window glass repair, filing a claim may not always be your best option. Why not? Our Only 1 Auto Glass team explains below.


Filing an Auto Glass Claim May Impact Your Insurance Rate

Any time you file an auto insurance claim — even for auto glass repair or replacement — your insurance provider has the option of increasing your rate. Though a single claim may not generate a rate spike, the higher the number of claims you file, the greater your chances of incurring a higher monthly bill.


If the damage was your fault, even if it’s your first claim, there’s a definite chance your rate will increase. That’s because, in the provider’s eyes, you present a greater monetary risk for the company. Insurance is a business, after all, and just as a low credit score will earn you a high loan interest rate (because you’re a greater financial risk to the lender), a history of irresponsibility will earn you a higher insurance bill.


Discuss Your Options With Your Insurance Agent

If you have questions about whether filing a claim will negatively impact your monthly insurance bill, contact your agent and ask him or her directly. Inquire about how the company handles auto glass insurance claims and ask how the claim may affect your policy, both immediately and in the future. That way, when it comes time to renew your policy, you won’t be hit with a surprise rate increase — you’ll know exactly what to expect.


When Is It Appropriate to File an Insurance Claim for Auto Glass Repair?

Ultimately, the decision to file an auto glass repair insurance claim is yours to make. That said, there are certain situations when filing is a smart move, and others when it’s better to pay for repairs out of pocket. If the cost of repairs is low enough that you cannot meet your deductible, don’t even think about filing a claim because your policy won’t pay out. Depending on your policy’s stipulations, the following situations may warrant an insurance claim:


●        Small chips and cracks. In cases of minor damage, usually smaller than the size of a dollar bill, certain insurance companies may waive your deductible if you elect auto glass repair over replacement. Contact your provider for further details.

●        Another driver’s fault. If the damage was another driver’s fault, that person’s insurance should cover your auto glass replacement or repair. In this situation, you won’t need to file a claim with your insurance company, but you’ll need to acquire the other party’s insurance information.

●        Accident forgiveness. If your insurance provider offers accident forgiveness, and you’ve elected that as part of your policy, your monthly rate may not change after filing an auto glass repair claim — even if the damage was your fault. Contact your insurance provider for further details.


Ready to File An Auto Glass Insurance Claim? Only 1 Auto Glass Is Here to Help

If you’re getting ready to file an insurance claim for auto glass repair or replacement, let our Only 1 Auto Glass team be your advocates. With over 200 years of combined experience among our staff, we’re well-versed in the intricacies of auto insurance claims, and we’re always ready to help you navigate the process. To learn more about our services and how we can help you with your auto insurance claim, give our team a call at 651-789-1111 or feel free to send us a message on our contact page. Trying to price out repairs? Go ahead and request your free estimate online!