Liberty Mutual Auto Insurance: Windshield Replacement Coverage And Benefits

If you have a Liberty Mutual auto insurance policy and need to repair or replace your windshield, you may be covered, but it depends on your specific coverage. If you have comprehensive coverage, Liberty Mutual will typically cover windshield repairs and replacements, though you may need to pay a deductible. Comprehensive coverage is an optional add-on that covers damage to your vehicle caused by things other than a collision, such as natural disasters, vandalism, or hitting an animal. If you only have basic liability coverage, windshield repairs and replacements are generally not covered.

Comprehensive coverage

If you have comprehensive coverage with Liberty Mutual, you can get your windshield repaired or replaced. Comprehensive coverage is an optional type of car insurance that covers damage to your vehicle that occurs outside of accidents. This includes civil disobedience, theft, collisions with animals, falling objects, and natural disasters.

If you have comprehensive coverage, Liberty Mutual will waive the deductible and cover the full cost of repairing your windshield if it has small cracks or shallow chips. If your windshield needs to be replaced, you will need to pay the deductible, and Liberty Mutual will cover the remaining cost. The deductible for comprehensive physical damage coverage is typically around $250.

In some states, you may not need to pay a deductible for windshield replacements. For example, in Florida, South Carolina, and Kentucky, Liberty Mutual covers the full cost of windshield replacement. In Arizona, Connecticut, Massachusetts, Minnesota, and New York, insurers are required to offer full glass coverage.

If you need to repair or replace your windshield, you can contact Liberty Mutual to initiate the claim, and they may recommend a glass repair center near you. Liberty Mutual partners with Safelite auto glass, which operates in all 50 states and can file a Liberty Mutual claim on your behalf.

Repair vs replacement

If you have a broken windshield, Liberty Mutual auto insurance can help you get back on the road. The company covers windshield repair and replacement for most customers with comprehensive coverage. However, you may need to pay a deductible for replacements, while repairs are often fully covered.

Now, let's delve into the factors that determine whether you should repair or replace your windshield.

When deciding between repairing or replacing your windshield, several key factors come into play. Firstly, consider the impact on visibility and driving safety. If the damage impairs the driver's visibility or compromises the safety of the car in the event of a collision, replacement is the best option. The location of the damage is also crucial. If the crack or chip is within the driver's line of vision, replacement is usually recommended, as repairs may leave slight marks that can obstruct the driver's view. Additionally, if the damage is near or reaches a corner or edge of the windshield, replacement is often necessary to ensure stability and prevent sudden shattering.

The size and extent of the damage is another critical factor. Small cracks or chips, typically fewer than three or four, that are each smaller than six inches can usually be repaired. However, if the damage is more extensive, with larger cracks or multiple chips, replacement may be the only option to restore the structural integrity of the windshield.

It's important to note that repair is often a quicker and more cost-effective solution, but replacement may be necessary to ensure optimal visibility and safety, especially if the damage penetrates both layers of the windshield or affects its structural integrity.

Deductibles

If your windshield can be repaired, Liberty Mutual will waive the deductible and cover the full cost of repairing the windshield. This is generally the case if your windshield has small cracks or shallow chips. However, if your windshield needs to be replaced, you will need to pay the deductible, and Liberty Mutual will cover the remaining cost of replacing the windshield. The deductible amount varies depending on the type of coverage you have. If you have comprehensive physical damage coverage, the deductible is typically around $250. On the other hand, if the damage occurred due to a collision where you were at fault, you may need to pay a higher collision coverage deductible, which can range from $500 to $1,000.

It is important to note that if you live in South Carolina, Florida, or Kentucky, or if you have full glass coverage, you may not need to pay a deductible for glass repairs or replacements. In these states, Liberty Mutual covers the full cost of replacing your windshield. Additionally, five states, including Arizona, Connecticut, Massachusetts, Minnesota, and New York, require insurers to offer full glass coverage. If you purchase full glass coverage from Liberty Mutual, you will pay a $0 deductible for glass repairs and replacements.

The final cost of repairing or replacing your windshield may also depend on factors such as the extent of the glass damage, its location, your vehicle's make and model, and other variables. To initiate the claim process, you can contact Liberty Mutual, who may recommend a glass repair center near you, such as Safelite auto glass, their trusted partner in all 50 states.

Authorised repair shops

When it comes to repairing or replacing your windshield, Liberty Mutual policyholders have a choice of authorised repair shops to choose from. Liberty Mutual has partnered with Safelite AutoGlass, which operates in all 50 states and can help with filing your claim. Liberty Mutual policyholders can also choose Liberty AutoGlass, which is authorised to work with Liberty Mutual and offers repairs using the latest and safest auto glass technology.

Liberty Mutual also has its own repair network, the Guaranteed Repair Network, which includes over 2,000 repair facilities across the country that have been vetted by the company to ensure they provide high-quality service. Policyholders can log into their account to schedule an appointment with a shop near them.

It's important to note that not all auto glass shops are authorised to work with Liberty Mutual, so be sure to verify this before making a choice. When selecting a repair shop, it's also advisable to choose one with a good reputation for quality service.

By choosing an authorised repair shop, you can rest assured that your safety is a top priority and that your repairs will be handled efficiently and correctly.

Filing a claim

The first step to filing a claim is to select an auto glass repair shop that is authorized to work with Liberty Mutual. Liberty AutoGlass is one such company that is experienced in handling Liberty Mutual claims and can assist you with the entire insurance process.

Once you have chosen a repair shop, you can file a claim in your online account or by calling the repair shop. This should take around 5-10 minutes, and you will need the approximate date of the incident and basic details of what happened. After you've filed, you will need to have your vehicle's damage reviewed at a repair shop. Liberty Mutual works with Safelite auto glass in all 50 states, and Safelite can even file a Liberty Mutual claim on your behalf.

If your windshield has three or fewer chips or cracks that are each smaller than six inches, it can usually be repaired. If your windshield has four or more chips or cracks, or the damage is larger than six inches, a full windshield replacement is generally recommended. If your windshield can be repaired, Liberty Mutual typically waives the deductible and covers the full cost of the repair. If your windshield needs to be replaced, you will usually need to pay the deductible, after which Liberty Mutual will cover the remaining cost.

While your car is in the shop, Liberty Mutual partners with Enterprise Rent-a-Car to provide you with a rental car at a discounted rate. If you prefer, you can also use a different rental company. Once the repairs are complete, Liberty Mutual will pay the repair shop directly, and you will pay your deductible.

Frequently asked questions