Auto glass damage is something you cannot afford to ignore. If your windshield or other vehicle windows are cracked, chipped, or pitted, tending to auto glass repairs or replacement as promptly as possible is incredibly important.
Fully intact auto glass doesn’t just protect you from outdoor debris; It also contributes to the structural integrity of your vehicle, and in the event of a collision, an intact windshield could even save your life. With the right type of auto insurance, your policy may provide coverage for certain types of windshield repairs or auto glass replacement.
If you’re currently dealing with damaged vehicle windows, read on to learn what you need to know about using your insurance to get repairs.
When Does Insurance Cover Auto Glass Repairs?
Although all drivers are required to have liability insurance, that insurance only provides coverage for any damage you inflict on any part of someone else’s vehicle. It doesn’t cover damage to your vehicle even if the damage isn’t your fault.
If that’s the only type of insurance you have, you won’t be able to file a claim for auto glass repair or replacement through your own insurance company.
If your auto glass damage was the fault of another driver, you’ll need to get their insurance information and file a claim against their policy.
Comprehensive coverage, on the other hand, which is an optional type of insurance you may have added to your policy, provides coverage for any damage to your vehicle that was not caused by another driver. Insurance companies refer to these types of damage as “acts of God,” since they’re not anyone’s fault and there’s no way they can be controlled.
Common examples of what comprehensive coverage will reimburse for include:
● Acts of vandalism (someone smashed your car window and left the scene)
● A piece of road debris flying up and cracking your windshield
● A flying ball colliding with a side window and shattering it
● A tree branch falling on your windshield and cracking it
● An animal colliding with your windshield
It’s important to note that policies can vary the types of auto glass they cover. Most comprehensive policies cover windshield replacement, but that’s not always true. Likewise, some policies cover side and rear auto glass replacement or repair, but not windshield repair or replacement.
If you’re considering filing a claim, read through your policy thoroughly or call your insurer first to find out which damaging events and which windows are actually covered.
When Should You File an Insurance Claim for Damaged Auto Glass?
First and foremost, take a look at your deductible for comprehensive claims. You’ll need to pay that deductible before your insurance will kick in and cover the remaining cost of auto glass replacement or repairs.
Compare the cost of your deductible to the estimated cost of repairing or repairing the damaged window. If the cost of the repair is less than the cost of your deductible, it doesn’t make any sense to file a claim, since your insurance won’t pay a cent toward the repair anyway.
Generally speaking, it doesn’t make sense to file a claim for minor auto glass repairs since they usually aren’t expensive and won’t exceed the cost of a deductible.
Windshield replacement (or replacement of any other windows) can cost several hundred dollars, so if your deductible is fairly low, it may be in your best interest to file a claim.
Schedule Auto Glass Repair or Replacement in the Twin Cities Today
If you’re dealing with a damaged windshield, rear window, or side windows, don’t hesitate to get in touch with our team at Only 1 Auto Glass! We specialize in mobile and in-shop auto glass repair and replacement and offer warranties on all our work.
To schedule service, get a quote, or learn more about how we can help you, give us a call today at 651-789-1111 or request a free estimate online, and we’ll be in touch promptly.