Allstate Auto Insurance: Windshield Repair Coverage And Benefits

Whether Allstate auto insurance covers windshield repair depends on your coverage and whether you need windshield replacement or repair services. If you have comprehensive coverage, Allstate will typically cover the cost of repairing or replacing your windshield, although you may need to pay a deductible. In some states, such as Florida, Kentucky, and South Carolina, you won't need to pay a deductible for these services. Additionally, certain states require insurance companies to offer a full glass coverage policy, allowing customers to opt for a $0 deductible for glass repairs.

Allstate's coverage at Safelite

If you have Allstate auto insurance and a broken windshield, you can get it repaired or replaced at Safelite Autoglass. The cost of windshield repair at Safelite is often fully covered by Allstate, and if you have the appropriate coverage, Allstate will waive your deductible for this service. However, the total amount you owe may vary depending on the extent of the damage, where it is located, your vehicle make and model, and other factors.

Technicians at Safelite can repair your windshield if your glass has three or fewer chips or cracks that are each smaller than six inches. If your windshield has four or more chips or cracks, or the damage is larger than six inches, they will recommend a full windshield replacement. This service is usually covered by Allstate if you have comprehensive coverage, though you may need to pay a deductible.

As an Allstate policyholder, you can benefit from stress-free claims, as Safelite will file your Allstate claim for you. They are the only national windshield repair and replacement partner of Allstate, with MobileGlassShops and repair facilities in all 50 states. They also offer superior repairs and replacements, fixing your glass quickly and backing their service with a nationwide lifetime warranty.

Comprehensive coverage

If you have comprehensive coverage, Allstate will pay for windshield replacement or repair services. This includes instances where debris has fallen on your car or you've hit an animal. Comprehensive coverage also covers the cost of repairing or replacing a windshield that is damaged in an accident where the policyholder was not at fault.

The cost of windshield repair is often fully covered by Allstate, and the company will waive your deductible for this service if you have the appropriate coverage. However, if your windshield needs to be replaced, you may need to pay a deductible unless your policy or a state law says otherwise.

In Massachusetts, most policies have full glass coverage with no deductible. In Florida, Kentucky, or South Carolina, you will not need to pay your deductible for windshield replacement or repairs. Additionally, insurance companies in Arizona, Connecticut, Massachusetts, Minnesota, and New York must offer a "full glass coverage" policy that allows customers to choose a $0 deductible for glass repairs.

If you are unsure whether you will need to pay a deductible for windshield replacement, you can check your policy details or contact Allstate's customer service line.

Collision coverage

If you have Allstate auto insurance and are wondering whether windshield repair is covered, the answer depends on your specific coverage and the extent of the damage. Here's what you need to know about collision coverage in relation to windshield repair:

In general, if your windshield has minor damage, such as small chips or cracks, it can often be repaired rather than replaced. At Safelite, an Allstate partner, technicians can repair windshields with three or fewer chips or cracks that are each smaller than six inches. If you have the appropriate coverage, Allstate may waive your deductible for this service, meaning the repair could be fully covered.

On the other hand, if your windshield is extensively damaged and needs to be replaced, this service may be covered by Allstate if you have comprehensive coverage. Comprehensive coverage typically includes damage to your vehicle caused by events other than collisions, such as vandalism, weather, or falling objects. However, you may need to pay a deductible for the windshield replacement service.

It's important to note that the cost of windshield repair or replacement may vary depending on various factors, including the extent of the damage, the location of the damage, your vehicle's make and model, and your specific Allstate policy. To understand your specific coverage, it's recommended to review your policy documents or contact Allstate directly.

Overall, while collision coverage can provide valuable protection for your vehicle, including windshield repairs or replacements, the specifics of what is covered will depend on your individual policy with Allstate. Review your policy carefully to understand your coverage limits and exclusions.

Auto glass coverage

If you have comprehensive coverage with Allstate, windshield replacement or repair services are typically covered. Allstate waives the comprehensive deductible for windshield repairs, but customers will need to pay their deductible for a full replacement unless their policy or state law states otherwise.

For example, if you live in Florida, Kentucky, or South Carolina, you won't need to pay a deductible for windshield replacement or repairs. Additionally, insurance companies in Arizona, Connecticut, Massachusetts, Minnesota, and New York must offer a "full glass coverage" policy, allowing customers to opt for a $0 deductible for glass repairs.

If your windshield has three or fewer chips or cracks, each smaller than six inches, it can likely be repaired. If the damage is more extensive, a full replacement is recommended.

Allstate works with Safelite Autoglass to provide windshield repair and replacement services. Safelite can file your claim and verify your coverage, and they offer service in all 50 states.

Filing a claim

If you have Allstate auto insurance and need to repair or replace your windshield, you can file a claim with Allstate to cover the cost. The process is straightforward and can be completed in just a few steps.

First, you'll need to assess the damage to your windshield. If your glass has three or fewer chips or cracks, each smaller than six inches, it can likely be repaired. If the damage is more extensive, with four or more chips or cracks, or if the damage is larger than six inches, a full windshield replacement is recommended.

Once you know the extent of the damage, you can proceed with filing your claim. Here's a step-by-step guide:

• Contact Safelite, an Allstate partner: Safelite is a trusted auto glass repair and replacement company that works closely with Allstate. They can help you with the entire process, from verifying your coverage to filing your claim.
• Provide vehicle and damage information: Inform Safelite about your vehicle, including the make and model, and describe the damage to your windshield.
• Enter your insurance information: Have your Allstate insurance policy details ready. This will help Safelite verify your coverage and determine if the cost of the repair or replacement is covered by your policy.
• Schedule an appointment: Safelite will work with you to schedule a convenient time for the repairs or replacement to be carried out. They offer services across all 50 states, so you can find a location near you.

It's important to note that the coverage provided by Allstate for windshield repairs or replacements may vary depending on your specific policy. In some cases, Allstate may waive your deductible for windshield repairs if you have the appropriate coverage. For windshield replacements, comprehensive coverage is typically required, and you may need to pay a deductible. The final out-of-pocket cost for you will depend on various factors, including the extent of the damage, its location, and your vehicle's make and model.

Frequently asked questions