U.S.A.A. Auto Insurance: Cracked Windshield Conundrum

If you have a cracked windshield, USAA auto insurance may cover the cost of repairs or replacement, depending on your coverage. If you have comprehensive coverage, USAA will usually cover the cost of a new windshield, though you may need to pay a deductible. In some states, such as Florida, Kentucky, and South Carolina, USAA is required to waive the deductible for windshield repairs and replacements.

USAA also covers the cost of repairing windshields with three or fewer chips or cracks that are smaller than six inches. In this case, USAA will waive the deductible if you have the appropriate coverage.

USAA windshield repair and replacement at Safelite

If you have USAA auto insurance and a cracked windshield, you can get it repaired or replaced at Safelite. The cost of the repair may be covered by USAA if you have the appropriate coverage, in which case, USAA will waive your deductible for this service.

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 needs to be replaced, this service is usually covered by USAA if you have comprehensive coverage, though you may need to pay a deductible. If your glass has four or more chips or cracks, or your damage is larger than six inches, a full windshield replacement will be recommended.

The amount you will have to pay out of pocket will depend on the extent of the glass damage, where it's located, your vehicle make and model, and other factors.

To schedule a service and file a claim, you will need to provide information about your vehicle and the damage, enter your insurance information, and then schedule your appointment.

Some USAA policyholders have reported positive experiences with windshield replacement and repair at Safelite, praising the convenience and ease of the process. However, others have noted that they had to push for original equipment manufacturer (OEM) glass to be used in the replacement and that there may be issues with aftermarket glass, such as lower quality or incompatibility with certain features like rain-sensing wipers.

It is important to note that glass replacement and repair coverage may vary by state, so be sure to review your USAA policy and contact them or Safelite directly to understand your specific coverage and any potential out-of-pocket costs.

USAA waives the deductible for windshield repairs

However, if your windshield needs to be replaced, you will usually need to pay a deductible unless your policy or state law says otherwise. Some states, like Florida, Kentucky, and South Carolina, waive the deductible for windshield replacement. 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.

USAA works with Safelite AutoGlass to provide windshield repair and replacement services for its customers. Safelite can help file your claim and verify your coverage to determine your out-of-pocket costs, which will depend on factors such as the extent of the damage, your vehicle make and model, and other factors.

If you're unsure about your deductible for windshield replacement, you can check your policy details or contact USAA's customer service line for more information.

USAA covers the cost of windshield replacement if you have comprehensive coverage

If you have a cracked or chipped windshield, USAA auto insurance can cover the cost of repairs or replacement. However, this depends on your coverage and the extent of the damage. If you only have minor damage, such as three or fewer chips or cracks that are smaller than six inches, a repair service like Safelite can fix your windshield, and USAA may cover the cost if you have the appropriate coverage.

If your windshield is more severely damaged, with four or more chips or cracks, or damage larger than six inches, you will likely need a full windshield replacement. USAA will usually cover this if you have comprehensive coverage, although you may need to pay a deductible. The cost of a replacement will depend on factors such as the extent of the damage, your vehicle make and model, and where you live.

Some states have specific laws about car insurance deductibles for windshield repairs and replacements. For example, Florida, Kentucky, and South Carolina require insurance companies to waive the deductible for windshield repair and replacement. In Arizona, Connecticut, Massachusetts, Minnesota, and New York, insurers must offer customers the option of a $0 glass deductible plan. USAA waives the comprehensive deductible for windshield repairs to encourage safe driving.

USAA covers the cost of windshield replacement in Florida, Kentucky, and South Carolina

If you have comprehensive insurance coverage and live in Florida, Kentucky, or South Carolina, you're in luck! These are the only three US states that waive the car insurance deductible for windshield repair or replacement. This means that USAA will cover the cost of your windshield replacement in these states, and you won't have to pay a deductible.

However, it's important to note that Florida only waives the deductible for front windshield replacements, whereas Kentucky and South Carolina cover all glass replacements without a deductible. Additionally, multiple windshield claims in a short period could lead to an increase in your policy premium or even a policy non-renewal at the end of your current term.

If you have USAA auto insurance and need to repair or replace your windshield, you can take advantage of their partnership with Safelite AutoGlass. Safelite can file your claim and verify your coverage, making the process stress-free. They are the only national windshield repair and replacement partner of USAA and are available in all 50 states.

The cost of windshield repair at Safelite is often fully covered by USAA if you have the appropriate coverage. USAA will waive your deductible for this service, provided your glass has three or fewer chips or cracks that are each smaller than six inches. If your windshield needs to be replaced, this service is usually covered by USAA if you have comprehensive coverage, though you may need to pay a deductible.

USAA covers the cost of windshield replacement if the damage is minor

If you have a cracked windshield, USAA auto insurance may cover the cost of repairs or replacement, depending on the extent of the damage and your level of coverage.

USAA waives the comprehensive deductible for windshield repairs to encourage customers to drive safely. Several states, including Florida, Kentucky, and South Carolina, require companies to waive the deductible for windshield repair and replacement. In Arizona, Connecticut, Massachusetts, Minnesota, and New York, insurers must offer customers the option of a $0 glass deductible plan.

If you have comprehensive coverage, USAA will cover the cost of windshield replacement if the damage is due to something other than a collision, such as an animal, a weather event, or vandalism. Collision coverage will typically cover windshield damage resulting from a car accident, but you may need to pay a deductible first.

To file a claim for windshield damage, you can contact USAA directly or go through a third-party provider like Safelite. It is important to review your policy or contact USAA to understand the specific coverage and deductibles that apply to windshield replacement.

Frequently asked questions