Geico Auto Insurance: Windshield Woes Covered?

If you have a broken windshield, GEICO auto insurance may be able to help. The company offers windshield repair and replacement services, but the specifics of your coverage will depend on your location and the type of damage. In general, GEICO will waive the deductible for windshield repairs if you have comprehensive coverage, but you may be charged a deductible for replacements.

Geico's comprehensive coverage

If you have a broken windshield, GEICO may be able to help. The company offers comprehensive coverage that includes windshield repair and replacement services. Comprehensive coverage typically covers damage unrelated to a car accident, such as vandalism, falling debris, or acts of nature like hail.

GEICO provides a fast and convenient glass claim service. If your windshield has a small chip or crack, the company can send a professional repair technician to your home or office. Repairs are generally free and take about 30 minutes. However, if your windshield needs to be replaced, you may have to pay a deductible, unless your state laws mandate otherwise.

It is important to report any glass damage to GEICO as soon as possible and schedule an appointment for repairs or replacement. In the meantime, you should try to protect your car's interior from weather damage by parking in a garage or covering the broken windshield with tape and plastic.

GEICO also offers collision coverage, which pays for windshield damage caused by an accident. Collision insurance covers damage to your vehicle from a collision with another car or object.

Some states, like Florida, Kentucky, and South Carolina, require insurance companies to waive the deductible for windshield repairs and replacements. In other states, such as Arizona, Connecticut, Massachusetts, Minnesota, and New York, insurance companies are required to offer a $0 windshield deductible.

Geico's collision coverage

Collision coverage helps pay for the cost of repairs to your vehicle if it's hit by another vehicle or you hit another vehicle or object. This means you can use it whether you're at fault or not. Collision coverage is limited to the actual cash value of your vehicle, and you will be responsible for paying your selected deductible.

Collision coverage is particularly useful if your vehicle is financed or leased, as your lienholder may require you to have it to protect their interest in the vehicle. It's also beneficial if you drive a car with a value greater than your car insurance premiums, including older vehicles that have maintained their value.

When selecting a collision insurance deductible, consider your current financial capabilities and potential out-of-pocket expenses in the event of an accident. A higher deductible typically results in lower premiums, but you'll pay more out-of-pocket for repairs or replacements. Conversely, a lower deductible means higher premiums but reduces your financial burden after a collision.

• Single-car accidents: If you collide with an object like a tree or lamppost, collision coverage will cover the damages to your vehicle.
• At-fault accidents: If you rear-end another car, collision coverage will cover the damages to your vehicle, less your deductible, even if you are at fault.
• Not-at-fault accidents: If your parked vehicle is hit by another driver, you may choose to use your collision coverage for repairs, especially if the other driver's insurance is still investigating the claim or doesn't have the appropriate liability coverage.
• Hit-and-runs: Collision coverage can be used to cover damages to your vehicle in the event of a hit-and-run accident.
• Rollovers or flipping: Collision coverage will cover the damages sustained if your vehicle overturns.

It's important to note that collision coverage only provides coverage for damages to your vehicle and doesn't include damage to another person's vehicle or property. Additionally, it doesn't cover all damage to your vehicle. For example, if you want coverage for damages caused by theft, vandalism, flood, or fire, you would need comprehensive coverage.

Geico's glass claim service

If your vehicle's windshield or glass is damaged, GEICO may be able to help. This is usually covered under comprehensive coverage. GEICO also provides a fast and convenient glass claim service.

The goal is to get you back on the road with a high-quality repair as quickly as possible. You should report the damage to GEICO as soon as possible. You can report your claim online and schedule an appointment for the glass damage to be repaired or replaced. If an entire piece of glass has been broken out of your vehicle, you should try to protect your car's interior from weather damage by parking in a garage if possible, or covering the opening with tape and plastic.

Broken glass is generally handled under your Comprehensive Physical Damage Coverage, which is usually subject to a deductible. Log into your auto insurance policy and see if you have Comprehensive Physical Damage Coverage.

If you have a chip or crack on your windshield that is smaller than a dollar bill, it could be repairable. GEICO will waive your deductible when you have your glass repaired if you have the appropriate coverage. The repair process only takes about 30 minutes, and you don't have to take time off work or rent a car while it's being completed. A technician will come to your home or place of work and do the repair on the spot.

Windshield repair also leaves the original factory-installed seal in place, and only leaves a slight blemish that will become less noticeable over time. Repairing your windshield is also better for the environment, as disposal isn't an issue and the laminate fused to windshield glass makes it more difficult to recycle.

If you need a full windshield replacement, GEICO will charge your deductible unless state laws mandate otherwise. Some states, like Florida, Kentucky, and South Carolina, require that car insurance companies repair or replace windshields with no deductible. In addition, insurance companies are required to offer a $0 windshield deductible to customers in Arizona, Connecticut, Massachusetts, Minnesota, and New York.

GEICO schedules windshield repairs and replacements quickly, often on the same day that the claim is made. If there is a small chip or crack in the windshield, GEICO will arrange for a professional technician to repair the damage at your home or office. For more extensive damage, a full windshield replacement usually takes less than an hour.

Geico's windshield repair service

Geico offers a windshield repair service to its customers with comprehensive coverage. This service is provided at no additional charge, with Geico waiving the deductible for windshield repairs. This service is designed to be convenient and quick, with repairs usually taking around 30 minutes and being carried out at the customer's home or workplace.

The process for getting a cracked or chipped windshield repaired is straightforward. Customers can either call Geico or log into the Geico Mobile app to report the damage and schedule a repair appointment. Geico will then send a professional repair technician to the customer's chosen location to carry out the repair.

It is important to note that Geico's windshield repair service only covers damage that is smaller than a dollar bill. If the damage is larger, it may require a full windshield replacement, which typically incurs a deductible. However, in some states, such as Florida, Kentucky, and South Carolina, insurance companies are required to waive the deductible for windshield replacements.

Geico recommends using reputable auto glass experts like Safelite for repairs or replacements. Customers can also choose their own repair shop, but it is important to be cautious of fraudulent "glass repair technicians" who may try to get customers to sign an Assignment of Benefits (AOB) form. Signing such a form can lead to increased premiums and potential identity theft.

Overall, Geico's windshield repair service provides a convenient and cost-effective option for customers with comprehensive coverage to repair minor damage to their windshields.

Geico's car rental insurance

If your vehicle needs to be taken to a repair facility for windshield replacement, GEICO offers car rental insurance to keep you on the road. GEICO car rental insurance can help cover the cost of a rental car while your windshield is being repaired or replaced. This is an optional coverage that helps pay for a rental vehicle if your everyday vehicle needs repairs following an accident.

GEICO's rental car coverage only covers the cost of the rental. It doesn't cover gas expenses, security deposits, or any additional insurance you buy from the rental car agency. You can generally keep the rental car until your damaged vehicle is back on the road or until your coverage limit runs out, whichever comes first. If your vehicle is a total loss, the amount of authorized rental time will be limited, so you should start shopping for a replacement as soon as you learn your vehicle is a total loss.

GEICO rental car coverage, or rental reimbursement coverage, helps pay for a rental car if your car is in the shop for repairs after a covered accident. When adding this optional coverage, you can select your limits for daily and per-accident coverage. For example, $50 per day and a maximum of $1,500 per accident.

GEICO also offers comprehensive coverage that includes various aspects of windshield repair and replacement. If you have comprehensive coverage, GEICO will waive your deductible when you have your glass repaired.

Frequently asked questions