{"id":99,"date":"2023-10-13T16:04:11","date_gmt":"2023-10-13T16:04:11","guid":{"rendered":"https:\/\/businessyield.com\/ins\/?p=99"},"modified":"2023-10-13T16:04:14","modified_gmt":"2023-10-13T16:04:14","slug":"does-insurance-cover-windshield-replacement","status":"publish","type":"post","link":"https:\/\/businessyield.com\/ins\/car-insurance\/does-insurance-cover-windshield-replacement\/","title":{"rendered":"DOES INSURANCE COVER WINDSHIELD REPLACEMENT?"},"content":{"rendered":"

Replacing a windshield is an expensive proposition, but repairing chips and cracks is simple and inexpensive. If you have full coverage on your car insurance policy, your provider may pay to fix or replace your ADAS windshield camera, as well as pay to have it readjusted if necessary. That brought us to the question: does insurance cover windshield replacement in California, Texas, or Florida? Read further if they do. Enjoy the ride!<\/p>

Does Insurance Cover Windshield Replacement?<\/span><\/h2>

You might have been wondering if the insurance covers windshield replacement. Windshield damage may be covered by your auto insurance policy, depending on the policy’s deductible and comprehensive coverage limits. If your policy covers windshield replacement or repair, you’ll likely need to meet certain criteria. For instance, prior to paying anything for insurance, you may be responsible for meeting your deductible. Some auto insurance policies include zero-deductible glass coverage.<\/p>

Some insurance companies may only pay for windshield replacement in limited circumstances, so you might have to prove what caused the damage. You need to check your insurance policy to see if it covers the cost of repairs when your windshield needs replacement.<\/p>

Types of Coverage for Windshield Repair and Replacement<\/span><\/h2>

Different car insurance policies provide different levels of coverage for windshield replacement and repair. The following are the different levels at which insurance covers your windshield replacement:<\/p>

#1. Comprehensive<\/span><\/h3>

Damages to your car that aren’t caused by an accident are covered by comprehensive coverage. A few examples are water damage, broken glass from gravel, and vandalism. This sort of insurance typically has a fixed benefit level and kicks in when you’ve met a deductible. Comprehensive car insurance may be more expensive than liability insurance alone, but it provides a higher level of protection for your vehicle. However, if you have a car loan, it could be mandatory.<\/p>

#2. Collision<\/span><\/h3>

Accidental damage to your car is covered by this policy. Collision insurance, like comprehensive, typically has policy limits and a deductible that must be met before coverage kicks in. Damage to your windshield caused by, say, a rear-end collision may be covered by collision insurance.<\/p>

#3. Full coverage<\/span><\/h3>

Full-coverage insurance covers you from every conceivable type of loss thanks to its inclusion of collision, comprehensive, and liability policies. However, the damages to your windshield, whether or not they were caused by an accident, are covered under comprehensive insurance.<\/p>

#4. Full Car Glass Coverage<\/span><\/h3>

If you opt to acquire full car glass coverage, you won’t have to worry about paying out of pocket for costly windshield repairs or replacements. As long as you match the policy’s other terms, your comprehensive deductible won’t apply to a broken windshield if you live in Florida, Kentucky, or South Carolina. Full glass protection may be available as an optional rider in several other states.<\/p>

How Much Does Fixing a Broken Windshield Cost?<\/span><\/h2>

The size and placement of the cracks, the number of cracks, and your deductible all play a role in determining whether you should repair or replace your windshield. A small chip in the windshield, for instance, might be worth fixing. Parallax or damaged glass? You’ll need a new windshield if yours is shattered or cracked. Talk to an expert at a reliable repair shop if you aren’t sure whether you need repairs or a replacement.<\/p>

Your premium will not change because you filed a claim for a cracked windshield, but it could go up if you file repeated claims for glass damage in a short period of time. Take this into account while evaluating if it’s worthwhile to pursue a claim.<\/p>

#1. Cost to repair<\/span><\/h3>

Cracks or chips smaller than six inches in length can usually be mended on a windshield. A single chip in a windshield can range from $60 to $100 to fix, depending on criteria such as location, car glass service provider, and severity of damage. Repairing a windshield with a large chip or crack will probably cost extra, between $125 and $150. If you fix many chips in the same windshield, you may be eligible for a price break.<\/p>

#2. Cost to replace<\/span><\/h3>

If the crack or chip is more than six inches, if it creates a hole in the windshield, if it joins numerous other small fixes, or if it is directly in your line of sight, you may need to replace your windshield. The cost to replace a windshield can vary widely based on factors such as the type of car you drive, where you live, and who you choose to replace your glass for. The average cost to repair a windshield on a non-luxury vehicle is between $250 and $400. In the upper range, the cost to replace the windshield of a luxury vehicle might reach $4,500.<\/p>

#3. Filing a claim<\/span><\/h3>

You should register a claim as quickly as possible if your windshield has been damaged, as this can compromise your driving safety. To do so, follow these procedures.<\/p>

#4. Notify your insurer and make a claim<\/span><\/h3>

The majority of insurance claims can be submitted electronically or over the phone. If the damage was caused by another party, your insurance company may direct you to or require you to file the claim with that person’s insurance company. Prepare to give the following information before filing a claim:<\/p>