To What Extent Does Your Insurance Cover Auto Glass Repairs?

Auto glass damage can creep up on you because it begins with a small, almost invisible chip or fracture. Next thing you know, it has become a bigger problem, and you must ask yourself: to what extent does your insurance cover auto glass repairs? Let’s explore some details about auto glass insurance, and how you can be prepared for emergencies or even prevent them before they happen.

Covering Windshield Repair through Car Insurance: What You Should Know

One of the most common auto repairs vehicle owners need is for broken, or even just cracked and chipped windshields. Glass damage can be caused by simple things such as:

• Flying pebbles
• Falling branches
• Vandalism
• Collisions with Animals

If your auto glass was damaged do to an accident other than a collision, you are likely to pay for it if you have comprehensive coverage. This is an optional plan, and without it you may be on your own to pay for repairs. It’s not uncommon for comprehensive coverage to take care of damage from accidents including:

• Storms
• Fires
• Vandalism
• Animal collisions

If you do have comprehensive coverage, you’ll need to check with your insurance company who find out the specifics of your plan. As a matter of fact, no matter what plan you have, even if you note the phrase “auto glass replacement” check for caveats and special cases. 

Consider Your Deductible when Dealing with Auto Glass Insurance

 It’s always smart to compare the cost of auto glass repair or replacement for your auto glass with the size of your comprehensive deductible. You might be wasting time filling a claim if it would be less expensive to pay for auto glass repairs out of pocket.

Consider the Potential Results and Consequences to your Premium

Often a claim for glass damage will not result in a growth in your insurance rates, but again, this will always vary by circumstance and company. Given this factor, you may even want to go so far as to pay out of pocket if the cost of repair is just slightly more than that of the deductible. Take a look at this example set of numbers, and apply the same reasoning to your circumstances.

1. Cost of windshield repair: $250
2. Your deductible is $200
3. Insurance company contributes $50

Remember that the claim will go on your car insurance record when you consider whether or not you want to save the $50. Often a short-term cost can get you a long-term gain if you know your way around the system.

Get More Information About Auto Glass Insurance, Repair, Replacement and More

Based in Henderson near Las Vegas, Nevada, luxury vehicle detailers and auto glass experts Team Acme have helped innumerable people repair and replace auto glass. We would be happy to lend whatever advice we can about how to approach payment plans, and auto insurance companies. View galleries of our work when you contact us online or call (702) 566-8326. We look forward to helping you keep your vehicle safe and road ready in a financially smart manner.