According to the DMV website, “Chipped, cracked, and broken windshields are among the most common car repairs” and yet many car owners are unclear about the sort of coverage they have through their car insurance policy. Typically, it is those with comprehensive coverage or comprehensive physical damage coverage who can file a claim for auto glass replacement. Of course, auto glass is not limited to the windshield alone and can include the side and rear windows and sunroof, too.
When You Require Auto Glass Replacement
As the DMV says, “Pebbles, vandalism, falling branches, animals, and even sand and gravel can damage your windshield…[and] comprehensive coverage typically pays for damages occurring from storms, fires, vandalism and animal collisions”. You will have to check the actual policy to see what is covered and though some plans say that auto glass replacement or repair is included, that may exclude the windshield.
The Costs
Most policies also ask you to choose a deductible, which is the amount you have to pay out of pocket before the insurance coverage steps in to pay the rest. Sometimes, a repair or replacement is less than the deductible, and you would be better off just paying for it without even making a claim. However, there are some insurance providers that cover a replacement windshield or other auto glass without any deductible applying. That means you have to determine what’s best for you financially. After all, if the glass repair or replacement is due to a collision that was not your fault, there is unlikely to be an impact on the cost of your insurance coverage. However, regardless of fault, the claim will go on your record, and this could make the insurance provider see you as a riskier driver – even if you are not.
Getting the Repair or Replacement
To get the repairs, you will need to follow your insurance company’s protocol. This usually means visiting their preferred provider or going to the shop of your choice, which could mean that there are limits on the amounts they’ll reimburse you. Again, as the DMV site suggests, “If you choose your repair shop, make sure to choose a reputable one, such as one that meets Auto Glass Replacement Safety Standards Council standards.”
You also want to choose one that will come to you, that is reliable and efficient, and that can get repairs done quickly. For those in the Denver, CO area, A+ Auto Glass is noted as a top rated and dependable provider with more than 20 years of experience.
