Will my insurance pay for auto glass repair?
The most important part of having your windshield or car glass replaced is understanding your insurance coverage. Realizing that your windshield or glass is damaged and needs to be replaced can feel devastating, but in most cases your insurance will make it a relatively manageable situation, and you can get your car back at 100% without burning a huge hole in your pocket.
One of the biggest factors in getting insurance help with windshield and glass replacement is whether or not you have comprehensive coverage. Comprehensive coverage means that your insurance covers incidental damage. Without comprehensive coverage, there’s a chance that your insurance will only help you pay for a windshield or glass replacement if the damage to the glass occurred during an auto accident. With comprehensive coverage, the damage could be from a storm branch, or a neighbor’s kid playing baseball, and your insurance company will still help you out.
Assuming your insurance can help you, what you’ll end up paying largely depends on your deductible. The way an insurance deductible works is fairly simple: you have a certain price (say, as an example, $200), and anything above that price is covered by your insurance. For instance, if the windshield or car glass replacement costs $150, you would pay the entire price, but if it costs $300, you would pay $200 and the insurance would pay the final $100.
ZERO DEDUCTIBLE STATES: FLORIDA, KENTUCKY, MASSACHUSETTS, SOUTH CAROLINA
There are two things to be cognizant of with regards to deductibles. The first thing is the state that you live in. If you are a resident of Florida, Kentucky, Massachusetts, or South Carolina, then you’re in luck. These states are referred to as “zero deductible states,” which means that they forbid insurance companies from charging you your deductible to replace your broken windshield. In other words, in the interest of safety, insurance companies are required to replace your damaged windshield without any cost to you.
UNDERSTANDING NO FAULT CLAIMS
If you don’t live in one of these four states, it’s important to find out if your insurance company has no-fault claims. No-fault claims allow your insurance to accept your claim while recognizing that you were not at fault for the broken windshield or glass; as a result, they don’t raise your premium. However, not all insurance companies operate this way, and some may raise your premium simply because you submitted a claim. If that is the case, it’s very important to weigh the cost of the windshield or glass replacement against the raised cost of your premium. If your insurance company can save you only $50 with your replacement, but bumps your premium by $10 a month, you’re not exactly getting a good deal, and should replace the windshield or glass without insurance help.
When in doubt, call or visit your insurance agent, and ask about exactly how they’ll help cover glass and windshield replacement. Every insurance company differs, but it’s most likely that they’ll be able to save you significant amounts of money when replacing your windshield or car glass.