Windshield Repair Replacement Guide

Just Car

Auto Insurance, Now in 34 states!

Windshield Repair

Replacement Guide

Auto Insurance, Now in 34 states!

Windshield Repair

Replacement Guide

Is it Better to Replace or Repair a Cracked Windshield?

Repair is often preferred for minor damage like small chips or cracks, typically smaller than a dollar bill, and positioned away from the edges. It involves injecting resin into the damaged area, restoring structural integrity and preventing further spread. This option is cost-effective and time-efficient, preserving the original windshield. However, if the damage is extensive, reaching the edges, compromising the driver’s line of sight, or exceeding a certain size, replacement might be necessary. A replacement involves removing the old windshield and installing a new one using advanced adhesives for a secure fit. Safety is paramount, and addressing significant damage promptly is crucial to prevent it from worsening and potentially causing hazards on the road.

Do you need a Windshield Repair Replacement? What To Do Next.

Screenshot 2022 11 14 180557

If you have ever lived in an area prone to spring thunderstorms, you have probably encountered a broken windshield or two due to hail.  However, broken windshields can be caused by anything at any time. Have you ever been driving down the highway when a rock flies up and pings the windshield?

You then watch in horror as a hairline crack begins to form across the windshield and you just pray it does not shatter or that it is covered by insurance. Chipped, cracked, and broken windshields are at the top of the list when it comes to the most common car repairs. In this article, we will review ways to pay for windshield repair replacement and when to use your auto insurance.

Glass CoverageWindshield Repair Replacement Guide

If the windshield or any other auto glass is destroyed by something other than a collision, you will typically pay for it using your comprehensive coverage. However, keep in mind this coverage is elective, and if you do not carry it, you will be covering the damage out of your own pocket. Comprehensive coverage or physical damage covers will often pay for damages occurring from:

  • Storms
  • Fires
  • Vandalism
  • Animal collisions

Be sure to read over your policy to see whether your car insurance policy includes windshield repair and replacement in your comprehensive coverage.
If you are confused about the coverage or what it provides, please do not hesitate to give us a call or shoot us an email.

Broken Windshield

Glass Deductible – Windshield Repair Replacement Guide

Broke

It is a wise decision before calling your insurance company to compare the cost of the repair/replacement with the amount of your comprehensive deductible. If it costs less to repair your windshield than your deductible, it will not be worth your while to file a claim. There are car insurance companies and some policies that offer glass replacement without requiring payment of a deductible. Typically means higher premiums, but you will save on your deductible.

Most of the time a claim for glass damage that does not result from a collision generally does not increase your car insurance rates. However, each insurance company has a different policy.
You may want to reconsider filing a claim if the cost of the repair is only a little higher than the amount of your deductible. For example:
Your windshield gets cracked by a flying rock and:
The cost to repair the windshield is $300.
You have a $250 deductible.

The insurance company will only pay $50. Is saving $50 worth the possible increase in yearly premiums?
Even if the insurance company does not increase your premium, the claim will go on your claim record. The more claims you have on your record, the more your perceived risk increases and, in turn, the likelihood of seeing an increase in your auto insurance renewal rates.

Submitting Your Claim -Windshield Repair Replacement Guide

Once you decide that your deductible is small enough, and the damage is big enough to turn in an auto glass claim, proceed in filling it with the insurance company as soon as possible. Each carrier is different and will have its preference on how to file. But typically claims can be filed:

  • By Phone
  • In-person
  • Online
  • Mobile application

Before filling, we can confirm whether you are covered for windshield repair replacement and explain all of your options. You may need to submit photos that prove repairs are completed. Your next step will be getting your windshield repaired. Some insurance companies will let you submit the claim for reimbursement after repairs are complete. There are two popular options for auto glass repair:

Claim

Windshield Repair Replacement Guide-Things to Remember

Windshield Repair Replacement

There may be a limit on the reimbursement amount.
If going with your own repair shop, be sure to select a reliable one, such as one that meets Auto Glass Replacement Safety Standards Council standards.

Submit Your Receipt for Reimbursement

Your car insurance company may authorize you to upload or fax your receipt or invoice with:

  • Your name
  • Policy number
  • Phone number
  • Date of damage

Be sure to ask your claim representative exactly which details you will need to submit.
If you need help with filing a windshield claim or have other concerns, please give us a call.  If you are not sure if the glass is covered by your policy, we will be happy to review it with you.

What are the common causes of windshield damage?

Windshield damage can occur due to rocks, road debris, temperature fluctuations, and accidents.

How can I prevent windshield damage?

Regular maintenance, avoiding following too closely, and prompt repair of minor chips can help prevent windshield damage.

Is there a contact number for windshield repair services?

For windshield repair or replacement services, please call us at 1.888.445.2793.

INSURANCE SERVICES WE OFFER

Welcome Center Free Auto Insurance Quote
2024 Windshield Repair Replacement Guide

Don’t give up…we can help you find affordable rates, need an SR-22? We got you!

Welcome Center Homeowners And Renters Insurance
2024 Windshield Repair Replacement Guide

Homeowners, renters, and mobile home owners: make sure you have the protection you need.

Welcome Center Other Insurance Quotes
2024 Windshield Repair Replacement Guide

Motorcycles, RVs, ATVs, life insurance, you name it…we can help!

Other Helpful Links
Auto Insurance Facts vs Myth
Understanding Auto Insurance
Umbrella Insurance Explained
Average Cost of a Car Accident
Difference Between Comprehensive and Collision Coverage
Why is Car Insurance Expensive?
Why Are My Insurance Rates so High?
Why Being an Insurance Agent is a Great Career Choice
Windshield Repair Replacement

Last Updated on by

Author

Spread the love
Scroll to Top