U.S. Auto Association: Windshield Replacement Coverage

USAA auto insurance covers windshield replacement and repair services for customers with comprehensive coverage. The cost of windshield repair is often fully covered by USAA, and they will waive your deductible for this service if you have the appropriate coverage. 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. The amount you owe will depend on the extent of the damage, where it's located, your vehicle make and model, and other factors.

USAA covers windshield replacement and repair at Safelite AutoGlass

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. Expert 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. A full windshield replacement is recommended if your glass has four or more chips or cracks, or if the damage is larger than six inches. The amount you owe will depend on the extent of the damage, where it's located, your vehicle make and model, and other factors.

As a USAA policyholder, you can schedule your appointment with Safelite AutoGlass and get your windshield repaired or replaced without worrying about the cost.

USAA waives the deductible for windshield repairs

If you have a USAA auto insurance policy and your windshield is damaged, you may be able to get it repaired or replaced without paying your deductible. USAA waives the deductible for windshield repairs, but only if you have the appropriate coverage.

USAA's trusted partner, Safelite AutoGlass, can repair your windshield if your glass has three or fewer chips or cracks, each smaller than six inches. If your windshield needs to be replaced, you will usually have to pay a deductible, unless your policy or a state law says otherwise.

If you live in Florida, Kentucky, or South Carolina, you will not need to pay a deductible for windshield replacement or repairs. Additionally, insurance companies in Arizona, Connecticut, Massachusetts, Minnesota, and New York must offer a "full glass coverage" policy, allowing customers to choose a $0 deductible for glass repairs.

To file a claim for windshield repair or replacement, you can use USAA's online portal. If you are unsure whether you will need to pay a deductible, you can check your policy details or contact USAA's customer service line at 1 (210) 498-2722.

Comprehensive coverage includes windshield replacement

Comprehensive coverage typically covers windshield replacement and repair costs. This includes instances where a windshield has been damaged by a falling tree branch, a baseball, a pebble, or an animal. However, it is important to note that the specific events covered may vary depending on your insurance provider, so it is recommended to review your policy carefully.

Comprehensive coverage is an optional add-on to your auto insurance policy, providing protection for your vehicle from any type of damage not caused by another car. This type of coverage is particularly useful in situations where your windshield is damaged by factors beyond your control, such as extreme weather conditions or unexpected events on the road.

When it comes to windshield replacement, comprehensive coverage will usually cover the cost, minus your deductible. This means that you will be responsible for paying the deductible amount, while your insurance company will cover the remaining cost of the replacement. It is worth noting that some insurance companies may offer a $0 deductible option for glass-only replacement claims in certain states.

In addition, comprehensive coverage can also cover the cost of repairing minor damage to your windshield, such as small chips or cracks. Repairing a windshield is generally less expensive than replacing it entirely, and some insurance companies may even waive the deductible for these repairs.

To file a claim for windshield replacement under comprehensive coverage, it is important to act promptly. Take photos and measure the damage to determine the extent of the repairs needed. Contact your insurance company to initiate the claim process and provide them with the necessary information, including the photos and measurements of the damage. They will guide you through the next steps, which may include choosing an approved repair facility or utilizing a mobile windshield service that comes to your location.

It is worth noting that the cost of windshield replacement can vary depending on several factors, including the make and model of your vehicle, the type of glass used, and the extent of the damage. Therefore, it is always a good idea to get an estimate from a reputable repair shop before filing a claim, to ensure that the cost of repairs exceeds your deductible.

Filing a claim with USAA is easy with Safelite

If you have USAA auto insurance and need to repair or replace your windshield, you can turn to Safelite AutoGlass, a trusted USAA partner. Filing a claim with USAA is easy with Safelite, and the company can help you get back on the road safely and quickly.

Here's how to file a claim with USAA through Safelite in three simple steps:

• Tell us about your vehicle and the damage: Provide details about your vehicle, including the make and model, as well as the extent and location of the windshield damage.
• Enter your insurance information: Share your USAA auto insurance policy details to verify coverage and determine your out-of-pocket costs.
• Schedule your appointment: Once your information is received, you can schedule an appointment for repair or replacement at one of Safelite's MobileGlassShops™ or repair facilities in all 50 states.

You can trust Safelite's experts to handle the entire process, from verifying your coverage to filing your USAA claim. They will work closely with USAA to ensure a stress-free experience.

The cost of windshield repair at Safelite is often fully covered by USAA if you have the appropriate coverage. In such cases, USAA will waive your deductible for this service. Windshield replacement, on the other hand, is typically covered by USAA if you have comprehensive coverage, but you may need to pay a deductible. The total amount of your out-of-pocket cost will depend on factors such as the extent of the damage, its location, and your vehicle's make and model.

USAA covers other windows in your car that need repairing or replacing

If you have USAA auto insurance and are worried about the cost of repairing or replacing windows in your car, you can rest easy. USAA covers the cost of repairing or replacing not just your windshield but also other windows in your car.

USAA's windshield replacement coverage works differently depending on your situation. If your window was damaged in an accident where you were at fault, you would need to make a claim through your USAA collision coverage. Collision coverage is optional in all states, and if you don't have it, you'll have to pay for repairs out of pocket. You will need to pay a deductible before collision coverage applies.

If the other driver was at fault in an accident, you would make a claim through the other driver's insurance. The other driver's insurance will cover the cost of repairing your vehicle to pre-loss condition, and they will pay the deductible. You do not need to file a claim with your own insurance company unless you live in one of 12 no-fault states in America, where you file a claim with your insurer regardless of fault.

If your window was damaged outside of an accident, you would file a claim through your USAA comprehensive coverage. You would contact USAA to initiate the claim, and they would cover the cost of repairing your window to pre-loss condition. If your window can be repaired, you can complete the claim without paying a deductible. If it needs to be replaced, you will pay your deductible, and USAA will cover the rest, unless you have a full glass coverage policy or live in a state like Florida, Kentucky, or South Carolina, which does not require deductibles for windshield repairs or replacements.

USAA has a partnership with SafeLite AutoGlass, a trusted USAA partner that can replace or repair your windshield fast and even file your claim for you. However, you can repair your windshield at any shop of your choice.

So, if you're a USAA policyholder, you don't need to worry about the cost of repairing or replacing windows in your car. USAA has you covered!

Frequently asked questions