Haris Ashley
Progressive does cover glass repairs and replacements, but only if you have comprehensive insurance. Comprehensive insurance covers windshield damage that is unrelated to an accident, such as animal collisions, weather events, or vandalism. If your windshield is damaged in a car crash, you can file a claim with your collision insurance if you were at fault, or with the at-fault driver's liability coverage. Comprehensive coverage is optional, but most drivers add it to their policy to cover glass repairs.
| Characteristics | Values |
|---|---|
| Does Progressive cover windshield replacement? | Yes, Progressive covers windshield replacement and repairs. |
| What type of coverage is required? | Collision and comprehensive coverage. |
| What does collision coverage cover? | Damage to your vehicle from an accident, including a broken windshield or broken windows from hitting another vehicle or object like a fence or tree. |
| What does comprehensive coverage cover? | Damage to your vehicle unrelated to an accident, including fire, theft, vandalism, falling debris, and acts of nature, including floods, hail, and tornadoes. |
| Does Progressive offer glass coverage? | Yes, Progressive offers glass coverage as part of its comprehensive insurance policy. |
| Is there a deductible for glass repairs/replacement? | This depends on the state. Some states, such as Florida, Kentucky, and South Carolina, have no-cost glass repairs. In some states, Progressive offers a $0 deductible option for glass-only claims. |
| When is a windshield repairable? | When the crack is less than 6 inches long. |
| When is a windshield replacement necessary? | When the crack is larger than 6 inches long. |
| How soon should a claim be filed after damage occurs? | As soon as possible. The longer you wait, the more likely the chip or crack will spread. |
| How to file a claim with Progressive? | Log into your Progressive account online, use the Progressive app, or call 1-800-776-4737. |
| How long does Progressive take to complete glass claims? | Most glass claims are completed within 48 hours. |
| Can you choose your own glass repair service? | Yes, Progressive allows customers to choose their own glass repair service, but they recommend Safelite AutoGlass. |
| Where can windshield repairs be performed? | In most cases, repairs can be performed at your home, your place of work, or at the shop. |
| Where can windshield replacements be performed? | Windshield replacements must be done at a repair facility. |
What You'll Learn
Comprehensive coverage
If your windshield can be repaired instead of replaced, you won't have to pay anything in most cases. Windshields can usually be repaired if the chip or crack is less than 6 inches long. If the crack is larger than 6 inches, the windshield will likely need to be replaced, and your comprehensive insurance will still cover it. Depending on your state and policy, you may have to pay a deductible. For example, if it costs $800 to replace your windshield and your comprehensive deductible is $100, you will only pay $100 towards the cost of the new windshield.
It is important to note that comprehensive coverage is separate from collision coverage, which covers windshield damage caused by an accident involving another vehicle or a stationary object. Comprehensive coverage is typically recommended for drivers who want protection against non-accident-related incidents. It is worth considering if you live in an area with a high risk of vandalism, natural disasters, or other events that could damage your windshield.
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Collision coverage
When it comes to glass damage, collision coverage typically applies when your windshield is damaged in a car accident involving another vehicle or a stationary object like a utility pole. In this case, collision coverage may cover the cost of repairing or replacing your windshield, minus your deductible. It's important to note that comprehensive coverage, which is optional, typically covers glass repairs and replacements resulting from non-collision events, such as falling debris or hitting an animal.
The deductible for collision coverage can range from $100 to $2,000, depending on the insurer. It's worth noting that Progressive offers a $0 deductible option for glass-only replacement claims in certain states, which can further reduce your out-of-pocket expenses.
To determine if collision coverage is right for you, consider the value of your vehicle, whether it is in storage, and your ability to pay for repairs or a new vehicle out of pocket. While collision coverage may not be necessary for low-value vehicles or those in storage, it can provide valuable financial protection in the event of an accident.
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Glass repair vs replacement
When it comes to auto glass, there are two options to consider: repair or replacement. While repairing a chip or a small crack is often the most cost-effective solution. This process typically involves injecting a clear resin into the damaged area to restore the structural stability and visibility of the glass. Repairs are generally suitable for minor damage, such as chips or cracks less than 6 inches long, that do not impair the driver's visibility. It is important to address these issues promptly, as small cracks can quickly spread and become more costly to repair. Repairs can usually be completed within 48 hours and often do not require a deductible to be paid.
Replacement
On the other hand, windshield replacement involves the complete removal of the broken windshield and the installation of a new one. This process is more detailed and time-consuming, typically taking around 3 hours. Replacement is generally recommended for larger cracks or chips that impair the driver's visibility or compromise the structural integrity of the glass. While replacement is a more expensive option, it may be necessary to ensure the highest level of safety and visibility. Depending on your state and policy, you may have to pay a deductible for the replacement.
Progressive Auto Insurance Coverage
If you have comprehensive insurance with Progressive, you are typically covered for auto glass repairs and replacements. In most cases, you won't have to pay anything for repairs, as Progressive does not apply a deductible. For replacements, your comprehensive insurance will cover the cost, but you may have to pay a deductible depending on your state and policy. Progressive also offers a $0 deductible option for glass-only replacement claims in certain states.
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State laws on glass coverage
Other states aren't required to automatically provide full glass coverage but must offer it as an option. These states include Arizona, Connecticut, Massachusetts, Minnesota, and New York.
In California, windshield repairs or replacements may use either new glass or aftermarket parts if the policyholder only has liability-only coverage. If aftermarket parts are used, vendors must notify the policyholder in writing and use high-quality materials that fit the vehicle properly.
In Missouri, insurance companies aren't required to offer full glass coverage or zero-deductible policies. If you file a windshield replacement claim, you should expect to pay a deductible specified in your insurance contract, in addition to your regular monthly rates. While glass coverage is optional, Missouri law mandates repairing cracks within the windshield wipers' range.
In some states, Progressive offers a $0 deductible option for glass-only replacement claims.
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Filing a claim
If you have comprehensive coverage, you will likely be covered for auto glass repair or a full windshield replacement. Progressive offers a $0 deductible option for glass-only replacement claims in some states. However, this option is separate from your comprehensive deductible.
To file a claim with Progressive, you can log in to your policy online, use the mobile app, or call their claims centre at 1-800-776-4737. You can also report a claim as a guest if you are not a Progressive customer. It is important to report any glass damage as soon as possible so that Progressive can confirm that your comprehensive coverage applies to the damage.
Once you have filed a claim, a Progressive representative will help you through the process and ensure that your repairs are handled quickly and efficiently. You will be connected with the right experts and will likely work with an estimator who will inspect your car and provide an estimate for the cost of repairs. You can choose to get your repairs completed or receive payment for the repairs. If you are unsure, you can get an estimate first to understand the cost of repairs. If you finance or lease your car, your lender may require you to get the repairs done.
If you choose to get repairs, you can select one of Progressive's network shop locations or any other shop of your choice. Progressive will then schedule the repairs and manage the process from start to finish. Once the repairs are complete, you can pick up your car and be on your way. If you used a shop in Progressive's approved network, your repairs are guaranteed for as long as you own or lease your vehicle.
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Frequently asked questions
Yes, Progressive covers glass repairs and replacements if you have comprehensive insurance. Comprehensive insurance covers damages that are unrelated to accidents, such as vandalism, natural disasters, or theft.
If the damage is due to an accident, you can file a claim with your collision insurance if you were at fault, or with the at-fault driver's liability coverage. Collision insurance covers damage to your vehicle from an accident, including broken windshields or broken windows from hitting another vehicle or object.
You should file a claim as soon as possible, as the longer you wait, the more likely the chip or crack will spread. Progressive completes most glass claims within 48 hours.
