Auto Glass Chip Repair: Insurance Coverage And Options

If you have a chipped windshield, you may be able to get it repaired or replaced using your car insurance. The availability and specifics of windshield insurance coverage vary by state and insurance company. Some companies offer a $0 deductible option for glass-only replacement claims, while others require a deductible, which is usually between $50 and $1,000. It's important to note that comprehensive coverage is typically required for windshield repairs, and collision coverage is needed if the damage was caused by a car accident. When choosing a repair shop, you may have the option to select your own or use a recommended shop, such as Safelite AutoGlass.

Comprehensive coverage

If you have comprehensive coverage, you can choose who repairs or replaces your windshield. Repairs or replacements are typically covered by insurance 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, which will still be covered by your comprehensive insurance.

It is important to file a claim for a chipped windshield as soon as possible, as the chip or crack is likely to spread over time.

Collision coverage

When deciding whether to purchase collision coverage, consider the cost of your car and its potential repair costs. Collision coverage can help you avoid paying out-of-pocket for repairs above the cost of your deductible. It provides coverage for your loss when your damaged vehicle is deemed a total loss, and it may even cover the entire cost of repairing or replacing your vehicle when combined with additional coverage options.

The amount of your collision coverage deductible is an important factor to consider. The deductible is the amount you must pay out of pocket before your insurance provider pays the remaining cost of a covered claim. A higher collision deductible means you will cover a larger portion of the repair costs, resulting in a lower monthly premium. On the other hand, a lower deductible leads to a higher monthly premium but provides more financial protection in the event of an accident.

When it comes to repairing auto glass chips, comprehensive coverage typically applies. Comprehensive coverage covers damage to your vehicle caused by events other than collisions, such as falling objects, natural disasters, or vandalism. It is worth noting that comprehensive coverage is also optional but commonly added to car insurance policies to cover windshield glass repairs.

Full-glass coverage

If you have a chipped windshield, you may be able to get it fixed without paying a deductible, depending on your insurance policy. Comprehensive coverage is an optional add-on to your car insurance policy that automatically includes auto glass coverage. This type of coverage protects your vehicle from damage not related to car accidents or collisions, like fire, theft, and damage from natural events such as hail. With comprehensive coverage, your deductible is usually waived for repairs, but you may have to pay a deductible for replacements.

Full glass coverage is an optional add-on to your existing policy, provided you already have comprehensive coverage. With full glass coverage, you won't have to pay a deductible for the repair or replacement of damaged auto glass. This means that any chipped, cracked, or broken windshields or windows can be repaired or replaced without you paying a deductible. However, full glass coverage is not automatic and can be added or removed for each individual vehicle.

It's important to note that glass damage to your car falls under comprehensive coverage (also known as Comp) under the physical damage coverage on your vehicle. Comprehensive coverage is usually subject to a deductible, but most of the time, there is a rider giving full glass coverage. In some states, insurance companies offer a $0 deductible option for glass-only replacement claims.

If your car has glass damage, you can file an insurance claim to get it fixed at no cost to you. Most insurance companies will work directly with glass repair shops to ensure your vehicle is fixed correctly. If you have a chipped windshield, you should first contact your insurance agent to discuss the specific damage and confirm that you have the necessary coverage for that vehicle. They can help you figure out the best course of action for repairs or replacement.

Repair vs replacement

If you have a chipped windshield, it's important to get it fixed as soon as possible. Small chips can often be repaired, but if left too long, they can spread and turn into large cracks that require a full windshield replacement.

Repair

If you have comprehensive insurance, windshield repairs are often covered, and you won't have to pay anything out of pocket. Comprehensive coverage is optional, but most drivers add it to their policy to ensure they're covered for glass repairs. Repairs can usually be done if the chip or crack is less than 6 inches long. If the damage is smaller than a quarter, you may even be able to fix it yourself with a repair kit from your local auto parts store.

Replacement

If the crack is larger than 6 inches, the windshield will likely need to be replaced. Comprehensive insurance will also cover this, but 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'll only pay $100 towards the cost of the new windshield.

Where to Get Repairs or Replacement

With Progressive insurance, you can choose who repairs or replaces your windshield, and it can usually be done within 48 hours. They recommend Safelite AutoGlass, the country's largest auto glass replacement company, or one of its affiliated shops. You can also choose another shop that you trust.

Choosing a repair shop

When choosing a repair shop to fix auto glass chips through insurance, there are several factors to consider. Firstly, it is essential to verify that the shop is approved by your insurance company. Different insurance providers may have partnerships or specific requirements for repair shops, so checking their approved list or asking for recommendations is a good place to start.

Secondly, consider the location and convenience of the repair shop. Some insurance companies, like GEICO, offer mobile repair services, where a technician is sent to your home or office to fix the damage on the spot. This saves you time and the hassle of travelling to a repair shop. If mobile services are not available, choose a shop that is easily accessible and located near your home or workplace.

Thirdly, look for quality and warranty guarantees. Ensure that the repair shop uses high-quality materials and employs trained technicians. Ask about any warranties or guarantees they offer on their workmanship. For example, some shops provide a warranty on auto glass repairs for as long as you own or lease your vehicle.

Additionally, consider the price and cost coverage. Different repair shops may have varying prices for the same service. If you have comprehensive insurance, your insurance company may have pre-arranged prices with specific shops, which means you only pay your deductible with no surprise charges. It is also worth enquiring about the payment process and whether the shop will directly bill your insurance company or if you need to pay upfront and claim reimbursement.

Lastly, check the turnaround time for repairs. Most auto glass repairs can be completed within 48 hours. However, if you need a quick turnaround, look for shops that offer same-day or while-you-wait services to minimise the time your vehicle is out of action.

Remember to always report any glass damage to your insurance company as soon as possible and follow their recommendations for approved repair shops to ensure a smooth claims process and quality repairs.

Frequently asked questions