Auto Glass Repair and Insurance: What to Know

Everybody knows that it can be a hassle to get a car fixed. It can be expensive and certain services take a long time to complete. But if you have a crack or chip in your windshield, no matter how small it is, you should strongly consider taking your car into Team Acme today.

You might think the damage is minuscule and it won’t turn into anything. But think again. Even the tiniest cracks and chips put the lives of passengers at risk by making the overall structure of a damaged car weaker.

Team Acme is an AGRSS certified auto glass repair shop located in the Las Vegas/Henderson, Nevada area. We have over 10 years of experience working with auto glass on every type of vehicle, from consumer and commercial cars to trucks, vans and SUVs.

If you have a chip or crack in your windshield, Team Acme is here to make the repair process easier on you and your wallet. Many people are not sure if their auto insurance covers window repair, if this is you, then follow along as we discuss what you should know about auto glass repair and car insurance.

Does Your Auto Insurance Cover Window Repair?

Let us start off by saying: every person’s car insurance is different. There are many car insurance providers, people pay various rates for insurance and there are many coverage plan options to choose from. If the auto glass on your car is damaged, your first step is to determine what exactly your car insurance is willing to cover. How do you do this?

1. Look at Your Coverage Plan.

If you have liability coverage, we can tell you that auto repair will not be covered by your car insurance, because this type of insurance only covers the other car if you ever get in a car crash.

Comprehensive coverage, on the other hand, is an optional coverage plan that not every person chooses to pay for. If you have this type of insurance, it covers damage to your car from storms, fires, vandalism and animal collisions.

2. What is Your Deductible?

There are some car insurance agencies that completely cover the cost of auto glass repair. This is because if auto glass is not repaired quickly, it can turn into a larger problem and could require entire window replacement in the future—which is expensive. So take a look at your coverage plan and see if you are required to pay for a deductible. If you do, then you need to consider if it’s worth the hassle to file an insurance claim.

If a window replacement costs $100 and your auto insurance requires you to pay a $75 dollar deductible, then the provider is only putting $25 dollars towards the service. It might not be worth the effort to file a claim if that’s all they’re going to pay. Furthermore, if your insurance deductible costs more than the repair in the first place, obviously just skip the claim and pay for the repair out of pocket.

3. File a Claim

 If you decide to file a claim, Team Acme advises you to do it sooner rather than later. Most insurance agencies will need to assess the damage done to your vehicle in order to approve coverage. Team Acme offers to do this part for our customers. We will contact your insurance, file the claim and handle of the paper work so you don’t have to.

If I File a Claim, Will My Insurance Premium Go Up?

 Probably not—rocks and debris are always banging up cars and car windows. It’s not your fault! Most insurance providers understand that things happen. But don’t jump the gun. Always talk your provider to make sure what is covered and what is not.

Contact Team Acme Today

It’s important that your car windows are in proper working order so they can protect you and your passengers. If there is a chip or crack in your vehicle’s glass, contact Team Acme today! As experienced professionals, we stand behind every auto glass repair we do. Visit our website or give us a call at 702-566-8326 to receive a free auto glass repair quote.