Safelite Auto Insurance Partners: Who Do They Work With?

Safelite Auto Glass is the country's largest glass service provider, offering repairs and replacements in every state. The company works with auto insurance companies to cover the costs of repairs and replacements. If your insurance policy includes comprehensive coverage, you will only be responsible for your deductible. Many insurance companies cover windshield repair at 100% coverage with no deductible. Safelite also offers multiple payment options for customers who prefer to pay out of pocket.

Comprehensive coverage

If your insurance policy includes comprehensive coverage, you will only need to pay your deductible for windshield repair or replacement services provided by Safelite. Safelite works closely with major insurance companies and can handle the insurance claim for you. Many insurance companies cover windshield repair at 100% with no deductible.

It is important to note that comprehensive coverage is not required by law in any state. However, it is usually required by lenders if you are leasing or financing your vehicle. If you own your vehicle outright, you can decide whether comprehensive coverage is necessary for your specific needs.

Liability coverage

If you only have liability coverage, your auto glass services will not be covered by Safelite. This is because liability insurance only provides coverage for damages to another vehicle or property. It does not cover damages to your own vehicle or property.

Liability car insurance provides financial protection for drivers who harm someone else or damage someone else's property in a car accident. It covers the cost of medical expenses for those involved in the accident, including the driver's legal fees if the accident results in a lawsuit. It also covers the costs of repairing or replacing the vehicles of other drivers involved in the accident.

Bodily injury liability coverage, which is included in liability car insurance, covers medical treatment and other expenses for people injured in an accident that the policyholder is found to be at fault for. This includes others' medical expenses, pain and suffering, and legal costs for related lawsuits filed by the injured party.

Property damage liability coverage, another component of liability car insurance, covers the costs of repairing or replacing property damaged by an accident caused by the policyholder. This includes damage to other cars, as well as damage to property such as a mailbox, house, business, street sign, or guardrail.

Liability car insurance has dollar limits on each of its components, depending on the level of coverage chosen when purchasing the policy. These limits include the maximum amount of coverage for property damage, bodily injury per person, and bodily injury per accident. If the costs of an accident exceed these limits, the policyholder will be responsible for the additional expenses.

Nearly every state in the US requires drivers to have some degree of liability coverage, with each state setting its own minimum requirements. Failing to obtain liability coverage can result in fines, suspension of one's driver's license, or even jail time for repeat offenses.

Deductibles

If your insurance policy includes comprehensive coverage, you'll only be responsible for your deductible for the service to be completed. The deductible amount varies based on the insurance company and policy type.

Many insurance companies cover windshield repair at 100% coverage with no deductible. Some companies have a reduced comprehensive deductible if repairs are not possible and a full windshield replacement is required. Your insurance company or agent can provide details on comprehensive insurance deductibles for windshields.

If your windshield is damaged due to an accident involving another vehicle or a stationary object like a utility pole, collision coverage would apply. If your windshield is damaged in a car crash caused by another driver, their liability coverage will pay for the windshield as liability insurance has no deductibles.

If your windshield is damaged by something other than an accident, such as rock chips, vandalism, or weather, you need to have comprehensive coverage to get help from your insurance company. In addition to comprehensive insurance, some insurance companies also offer separate auto glass insurance, which doesn't carry a deductible.

In some states, insurance companies are required to sell separate "full glass" repair coverage. In Florida, Kentucky, and South Carolina, insurers cannot charge a deductible for repairing or replacing your windshield, so windshield repair/replacement is free if you carry comprehensive insurance. In Arizona and Massachusetts, insurance companies have the option of offering a $0 deductible for glass repair. In Connecticut, Minnesota, and New York, you can buy full glass coverage, which is an add-on to comprehensive insurance that waives the deductible for glass repairs.

If you don't have auto glass coverage on your insurance policy, Safelite can still help you receive the best price on your windshield repair.

Auto glass damage claims

If you have auto glass damage, you may be able to make an insurance claim to cover the cost of repairs or replacement. The process will depend on your insurance provider and your specific policy.

Comprehensive coverage

If your insurance policy includes comprehensive coverage, you will likely only be responsible for your deductible for the service to be completed. Deductible amounts vary based on insurance company and policy type. Comprehensive coverage typically covers broken auto glass, but you should check with your insurance provider to be sure.

Liability coverage

If you only have liability coverage, auto glass services are not typically covered. Liability insurance only provides coverage for damages to another vehicle. In this case, you may have to pay for the repairs or replacement yourself.

Deductible

Many insurance companies cover windshield repair at 100% coverage with no deductible. However, if your deductible is the same or more than the auto glass service, you may choose to pay for the work yourself.

Making a claim

To make an auto glass damage claim, you can contact your insurance provider directly or work with a company like Safelite that can help you with the process. Safelite works with over 150 insurance companies and can verify your coverage, file your claim, and handle the paperwork for you. You can also choose to handle the claim yourself and submit the claim to your insurance company.

Recalibration

If you have comprehensive coverage, recalibration may be included in your replacement service at no additional cost.

Recalibration

If you have comprehensive coverage, recalibration may be included in your replacement service at no additional cost. Safelite works closely with most major insurance companies to streamline this process. Simply provide your policy details during scheduling, and they will handle your insurance claim for you.

Even if you only have liability coverage, Safelite can still assist you in getting the best price for your windshield repair or replacement. They offer highly competitive rates and work with you to ensure you receive the service you need. Their nationwide warranty covers over 7,100 MobileGlassShops, so you can rest assured that your service is backed by their guarantee.

To get started, you can visit Safelite's website to receive a quote and schedule an appointment. They will then verify your coverage and help you determine whether your insurance policy includes comprehensive coverage, which typically covers recalibration services.

Frequently asked questions