Does Geico Auto Insurance Cover Broken Windshields?

If you have a broken windshield, GEICO auto insurance may be able to help. The company offers windshield replacement or repair services if you have collision and comprehensive coverages on your policy. Collision coverage pays for windshield damage resulting from an accident, while comprehensive coverage takes care of damage unrelated to a collision, such as vandalism, falling debris, or acts of nature. GEICO also provides a convenient and fast glass claim service.

If you have a small chip, nick, or crack in your windshield, GEICO can send a professional repair technician to your location. Comprehensive coverage on your policy means that GEICO waives the deductible for damage that can be repaired. However, for more extensive damage requiring replacement, you will need to pay the deductible unless state laws, such as those in Florida, Kentucky, or South Carolina, mandate otherwise.

Geico's windshield repair and replacement policy

If you have a chipped or cracked windshield, Geico auto insurance can help get it repaired or replaced. Geico offers windshield repair and replacement services if you have collision and comprehensive coverages as part of your policy. Comprehensive coverage typically includes windshield replacement and repair.

Comprehensive coverage will cover damage to your windshield from events unrelated to a car accident, such as vandalism, falling debris, or acts of nature like hail. Collision coverage, on the other hand, pays for windshield damage resulting from a car accident.

If the damage can be repaired, Geico will waive the deductible if you carry comprehensive coverage. Repairs are generally free of charge and can be done quickly and conveniently by sending a professional repair technician to your home or office. Repairs are usually completed within 30 minutes and help protect the structural integrity of the windshield.

For more extensive damage that requires a full windshield replacement, Geico will charge your deductible unless state laws mandate otherwise. Some states, like Florida, Kentucky, and South Carolina, require insurance companies to repair or replace windshields with no deductible to encourage policyholders to fix this safety hazard. Additionally, insurance companies must offer a $0 deductible for windshield replacement in Arizona, Connecticut, Massachusetts, Minnesota, and New York.

To file a windshield claim with Geico, submit a claim form online or call their dedicated phone number. If your windshield is leaking, take measures to protect your vehicle's interior by parking in a covered area and covering the broken windshield. Once your claim is submitted, a glass technician will come to your location to complete the repairs or replacement. Repairs are typically done on-site, while replacements may require you to bring your car to a repair facility.

Geico also offers car rental insurance to keep you on the road while your vehicle is being repaired or replaced. Overall, Geico provides comprehensive solutions for various glass-related issues, ensuring that policyholders receive timely and efficient service.

What to do if your windshield is damaged

If your windshield is damaged, the first thing you should do is pull over to safety and inspect the damage. The placement and size of the crack or chip will determine whether it is safe to continue driving. If the damage is significant and obstructs your view, it may be safer to call for roadside assistance.

Even small cracks or chips can quickly become bigger problems, so it's important to get the damage fixed as soon as possible. Contact your insurance company to find out if your policy covers glass repair or replacement. If you have comprehensive auto insurance coverage, your insurance company may cover the cost of repairs. Keep in mind that repairs are usually more feasible for small chips or cracks, while larger damage may require a full windshield replacement.

While waiting for repairs or replacement, it's important to prevent further damage by avoiding extreme temperatures, which can cause the glass to expand or contract and make a small crack expand. If your windshield has been completely broken out, protect your car's interior by parking in a garage or covering the opening with tape and plastic.

To repair or replace your windshield, you can contact a reputable glass repair company or auto body shop, or use a mobile service that comes to your location. The repair or replacement process can vary in time, from a few minutes to over an hour, depending on the extent of the damage.

Geico's glass claim process

If your vehicle's 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.

Report the damage to GEICO as soon as possible. You can report your claim online, via the GEICO Mobile app, or by calling 1-800-510-2291. You can also schedule a convenient 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. Be careful not to injure yourself on the broken glass.

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. The repair process only takes about 30 minutes, and it leaves the original factory-installed seal in place. Windshield repair also leaves only a slight blemish that will become less noticeable over time.

Comprehensive vs collision coverage

Comprehensive and collision coverage are two types of auto insurance that offer protection for your vehicle in different situations. While comprehensive coverage is usually subject to a deductible, GEICO waives the deductible for windshield repairs if you have comprehensive coverage. Collision coverage, on the other hand, pays for windshield damage from accidents.

Comprehensive Coverage

Comprehensive insurance covers damage to your car caused by something other than a collision. This includes damage from fire, natural disasters, falling objects, theft, and vandalism. It also covers damage from riots, civil disturbances, and collisions with animals. The cost of comprehensive insurance is largely determined by the value of your car. If your car is in storage and not being driven, some companies offer comprehensive-only policies.

Collision Coverage

Collision insurance covers repairs to your vehicle when you collide with another vehicle, object, or road hazard. This includes accidents where you hit another car, a tree, a fence, or a guardrail. Collision coverage is typically more expensive than comprehensive coverage, with premiums up to three times higher. Like comprehensive insurance, the cost of collision insurance is influenced by the value of your car.

GEICO's Coverage

GEICO offers windshield replacement or repair services if you have both collision and comprehensive coverages. While repairs for small chips and cracks are typically covered under comprehensive coverage, collision coverage pays for windshield damage resulting from accidents. GEICO also provides a fast and convenient glass claim service, and they may waive your deductible for windshield repairs if you have comprehensive coverage.

Geico's car rental insurance

Geico's rental car coverage only covers the cost of the rental and does not include gas expenses, security deposits, or any additional insurance purchased from the rental car agency. It is important to note that this coverage is only applicable if your car is in the shop due to a covered accident and not for routine maintenance or mechanical issues.

Additionally, if you have collision and comprehensive insurance on your Geico policy, this coverage will typically extend to your rental car while your vehicle is being repaired.

Geico also recommends repairs through reputable services such as Safelite, but customers can choose their preferred repair shop.

Frequently asked questions