Windshield car insurance
Consider Your Deductible
Before filing a windshield repair claim, compare the cost of the repair/replacement with the size of your comprehensive deductible.
If your deductible is greater than the cost of the estimated repair, it won't be worth your while to file a claim.
However, do note that some car insurance companies and some policies will allow for glass replacement without requiring payment of a deductible. Most likely, your coverage will cost more; however, you’ll save on your deductible.
The Potential Impact on Your Premium
In most cases, a claim for glass damage that does not result from a collision does not cause an increase in your car insurance rates. However, this will vary by car insurance company.
You may want to think twice about filing a claim if the cost of your repair is only a small amount greater than the amount of your deductible.
Your windshield gets cracked by a flying rock and:
- The windshield repair cost is $280.
- You have a $250 deductible.
- The insurance company will contribute only $30.
Consider whether saving $30 is worth filing the claim. The claim will go on your car insurance claim record. Essentially, having more claims on your record increases your perceived risk and, in turn, the chances of seeing a hike in your auto insurance renewal rates.
Submit Your Claim
If your deductible is low enough to warrant filing an auto glass claim, file the claim with your auto insurance company as soon as possible. Depending on your auto insurance company, this can be done:
- By phone.
- In person.
- Mobile application.
An insurance company agent will confirm whether or not you're covered for the windshield repair or replacement and explain your options. You may need to go to the car insurance company to get the damage inspected and get the approval for reimbursement.
Get the Damage Fixed
Your next step will be to get your windshield fixed. You may alternatively be able to submit the claim to get reimbursement after getting the work done.
Many car insurance companies offer two options for getting auto glass repair:
- Via a specific car repair shop with whom they are have a contract.
- Via a repair shop of your choice.
- NOTE: Certain limits on the reimbursement amounts may apply.
If you choose your own repair shop, make sure to choose a reputable one, such as one that meets Auto Glass Replacement Safety Standards Council standards.
Submit Your Receipt for Reimbursement
Your car insurance company may allow you to upload or fax your receipt or invoice with:
- Your name.
- Policy number.
- Phone number.
- Date of damage.
Be sure to ask your company exactly which details you’ll need to submit.
Protect Yourself Against Windshield Repair Fraud
To ward off windshield and auto glass replacement fraud, recognize the following scam attempts:
- Your repairperson tries to convince you that you need your windshield replaced as opposed to being repaired.
- Someone approaches you unsolicited away from a repair shop (e.g., in a parking lot, car wash, or gas station) and tells you they can fix your windshield.
- Your repair shop charges your insurance for several windshield replacements without you knowing it.
These fraudulent schemes can harm you in multiple ways. For example, they can:
- Make your car dangerous to drive.
- If your windshield is replaced with subpar glass, you are at the risk of decreased vision and danger of the windshield popping out and injuring you in a crash.
- Increase your auto insurance premiums.
- Having an unnecessary claim on your insurance can raise your rates.
- Result in the loss of your auto insurance for making false claims.
- If your repairperson makes multiple, false claims against your insurance, you can find yourself with a cancelled policy.
To prevent fraud:
- Say no to anyone you don’t know who offers to repair your windshield unsolicited.
- Research repair shops before picking one. Your car insurance company can recommend reputable places.
- Contact your car insurance company BEFORE getting your windshield replacement. They may repair small damage for free.
- Review your bill carefully.
- Follow up with your insurance company to make sure additional claims weren’t made against your policy.
The best way to ensure you get any auto glass replaced, including your windshield, in a timely and affordable manner is to first speak with your car insurance company about your coverage, get any recommendations for reputable repair shops, and make sure to get receipts for all repairs.
Including an element of windscreen cover on your car insurance could help with windscreen cracks, stone chips and replacements.
- Specific windscreen cover may come as standard on car insurance, it may be an optional extra, or your policy may not offer it at all
- Policies differ, but look for ones that repair or replace your vehicle's glass without full excess liability and without impacting no claims bonuses
- Deal with damaged glass promptly
- If you claim, use approved repairers
It's all too common to be the victim of windscreen damage on today's busy roads and streets, and replacement can be costly.
Even small stone chips and cracks can develop into bigger problems if they're not dealt with, while more serious impacts could leave you needing a complete windscreen replacement.
Windscreen claims are amongst the most common things dealt with by car insurance firms, with many drivers simply assuming that their policy will cover them for such incidents.
But this isn't necessarily the case, even on comprehensive policies.
Whilst all policies will cover the windscreen in the way they cover the rest of the vehicle, if you don't have specific windscreen cover you'll be liable to pay the full excess in the event of a claim and will risk losing your no claims bonus.
Some providers will offer specific windscreen cover as standard, others may present it as an optional extra for which you'll have to pay an additional fee, some policies may offer no windscreen insurance at all.
If you search for a policy through Gocompare.com, our results table will clearly show whether windscreen insurance is included and you'll also have the chance to filter the table so that it only shows options with such cover.
Did you know...?
- Side windows and rear windows may also be covered
- Some policies will pay for bodywork damaged by broken glass and offer an emergency number
Remember, though, that even those policies offering windscreen protection will differ significantly in terms of the level of cover they offer and exclusions and other terms they may impose.
It's important to read your documentation with care before buying.
What is windscreen insurance?
Windscreen cover allows you to recover the cost of repairing or replacing your vehicle's windscreen, side windows or rear window if they get broken or cracked.
It's possible that you'll get an emergency repair number to call, and some policies may also pay to repair bodywork that's damaged or scratched by broken glass.
The excess you'll have to pay if you make this type of claim tends to be lower than the standard excess, and claiming for windscreen damage won't usually impact on your no claims bonus.
Although all policies will differ, it may be typical not to charge an excess to repair chips or cracks, but to levy a windscreen replacement excess if this larger job is needed.
A crack or chip in your windshield is important to repair. Your windshield is at risk for damage from flying objects like debris from a truck, rocks, or even from storm damage. Maybe you hit a bird while driving or the neighbor kid hit a baseball into your vehicle. The potential causes are numerous but the underlying question is does your car insurance cover windshield damage?
Windshields and any other damaged window in your vehicle would be considered a comprehensive claim.
So you are only covered if you purchased comprehensive coverage, which is sometimes referred to as other than collision before the damage occurred. Find out if you have comprehensive coverage on your vehicle by checking your declaration page, calling your agent, or filing the claim and speaking with an adjuster.
It is possible you have a deductible on your comprehensive coverage. When you add comprehensive coverage to your vehicle a deductible should be selected. Some companies offer a zero deductible on comprehensive, however, many times a deductible is chosen to reduce the overall cost of insurance. Many carriers also offer a deductible on comprehensive to cover the majority of comprehensive claims but offer a zero deductible specifically for glass damage. Check your policy to see what your deductible is for comprehensive claims.
Don't Procrastinate Filing a Glass Claim
Often a small chip will begin to crack over time requiring a full windshield replacement.
If you have a small chip in your windshield, many times the glass can be repaired. Usually, insurance carriers cover chips which are repaired without a deductible, as long as comprehensive coverage is listed on your vehicle. The sooner you have a chip filled, the less likely it is to spread into a crack.
What if I Can't Pay My Deductible?
Options are available if you cannot afford to pay your deductible.
- Put off your repair until you can save up the money. However, repairing your glass in a timely fashion is important and can result in a fix-it ticket from a police officer if you are caught with a cracked windshield.
- Check with reputable glass companies in your area to see if they will waive a part or all of your deductible. Glass companies are hungry for your business and will waive your deductible in order to get your business. Usually, only the largest glass companies are able to remain profitable after waiving your deductible.
Remember comprehensive coverage covers more than just deer accidents. The only way your windshield is covered by your insurance is if you purchase comprehensive. If you have a bare bones policy with PLPD coverage only, you will have to repair or replace your glass on your own. Make sure you learn about your car insurance coverage before the time comes to file a claim.