Should I Use Insurance to Fix My Windshield?

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Repairing a chip or crack in your windshield as soon as possible is critical since it is always at risk of being struck by flying debris such as pebbles or other things.

Damage to your windshield is normally covered by comprehensive insurance on your car policy. However, if your windshield was damaged in a crash, then collision insurance would certainly pay for it.

Learn about your insurance choices, deductibles, and windshield replacement advice.

Is Damage to Your Windshield Covered by Your Insurance Policy?

Typical liability insurance does not cover damage to the windshield or other glass. Windshield damage from flying debris, for example, will need extra insurance coverage.

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In the event of non-collision-related damage to your car, comprehensive insurance pays for the repairs. Animal-caused accidents and vandalism are also included in the list of incidents.. Two-thirds of comprehensive claims are based on glass damage.

For comprehensive coverage to cover windshield damage, you must have purchased it before to the occurrence. To submit a windshield-damage claim, you may also be required to pay a deductible on your vehicle insurance policy.

You don’t have to pay a deductible when you have comprehensive insurance. A deductible may apply if your windshield has to be replaced.

Totally Glassed In

Auto insurance policies that provide full glass coverage, often known as windshield insurance or windshield repair insurance, are available as an optional add-on to your policy. For an additional fee, most insurance companies allow you to include complete glass coverage in your motor policy.

You don’t have to pay a deductible to repair or replace broken vehicle glass if you have complete glass coverage. Your state’s insurance policies can allow for the addition of this coverage as part of a comprehensive policy.

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Should I Use Insurance to Fix My Windshield? Source: Freepik.com

What Is Covered Under Your Health Insurance?

The expense of repairing or replacing a windshield that has been damaged by falling debris, an animal, or other causes unrelated to an accident is covered under comprehensive coverage. If you wish to repair or replace the glass, the quantity of coverage varies.

If you need to replace the broken glass, your deductible is normally waived under comprehensive coverage. A deductible may be required for a replacement. On the other hand, if you have full glass coverage, you don’t have to pay a deductible for the repair or replacement of the broken vehicle glass.

As stated by the National Windshield Repair Association, stone fractures of up to two inches in diameter are acceptable, and single line cracks of up to 14 inches in length.

Windshield Glass Claims and Deductibles

A deductible is the amount of money you’ll have to pay before your insurance company will pay for a covered claim. In certain cases, you may not have to reach your deductible before your insurance company pays out the claim.

When you use comprehensive coverage to replace your windshield, you may have to pay a deductible first. If you merely need to replace the windshield, you may be able to avoid paying the deductible. However, if you have complete glass coverage, you won’t be responsible for either repair or replacement costs.

Your deductible is the amount of money you’ll have to pay out of pocket if you have windshield damage that is less than your deductible. Keep in mind that if you go for the lowest deductible, you’ll pay more for your insurance.

For windshield repair and replacement, certain jurisdictions restrict insurance companies from charging you a deductible regardless of whether you have complete glass coverage.

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Should I Make Use of the Insurance I Have?

Your insurance coverage may be worth it if the cost of repairing or replacing your windshield is more than the amount that you owe on your policy. Deductibles are often not required if you are covered by comprehensive glass coverage.

Repairing a windshield instead of replacing it is usually less costly. The cost of glass repair depends on the severity of the damage. Repairing a chipped windshield crack typically costs $60 to $100, but repairing a larger fracture may run up to $125 or more.

Your vehicle type, the kind of glass used, and where you live will all affect the cost of windshield repair. The average cost of a new one is between $250 and $450.

Your insurance rate will not be affected if you file a windshield claim. Insurers use a variety of criteria, including whether you were at fault and the number of past insurance claims, when determining your premiums.

Tips for Replacing Your Windshield

It is critical that any damage to the windshield be evaluated by a professional as soon as possible. The amount of the damage will determine whether or not you need a repair or a replacement.

Breaks up to two inches in diameter in vehicle glass and single-line fractures no more than 14 inches in length are repairable damage. Bullseye, half-moon, star, and combination breaks are some of the most popular terms for these breaks. Some windshields may be repaired rather than replaced if the damage isn’t right in front of the driver’s line of vision.

The following are some of the many advantages of getting your windshield repaired:

  • Repairing a windshield instead of replacing it saves money. Even if the damage isn’t severe enough for a replacement, repairing it may help keep it from becoming worse.
  • Repairing a chipped or cracked windshield might help keep the original seal in place. While the windshield is an important part of the roof and airbag system, it is also an important part in its deployment. After an accident, the glass won’t fly off and the roof won’t cave in thanks to the factory seal.
  • Repairing your windshield assures that you’re using the glass that was originally installed by the manufacturer, which is also known as an original equipment manufacturer (OEM).
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You may need to replace the windshield if the cracks are longer than six inches. Remember that the cost of replacing the item may be more than the cost of repairing it.

Should I Make an Insurance Claim to Replace my Windshield?

Is it possible to get my windshield changed at my house?

Since many windshield repair companies provide mobile services, having your windshield changed at your house is an option you may want to consider. Just make sure you have it done by a trained technician.

How long does it normally take to repair a windshield?

Windshield replacements may be completed in as little as 60 minutes, but the length of the process depends on the intricacy of the job. Depending on how long it takes the sealant to cure, you may need to wait 10 to 24 hours before driving the car.

Is it possible to mend a chip in your windshield on your own?

You may be able to mend a cracked windshield with a do-it-yourself kit. However, only 10% of the breaks can be repaired with these kits. When it comes to repairing most damage, it’s best to leave it to a professional technician with more experience and training in the field.

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