Windshield Replacement – The Facts About Auto Glass and Insurance

A chipped windshield is unavoidable no matter what you drive or where you go, so windshield replacement is something that almost all will have to deal with at some point. Although filing an insurance claim is the first thought that comes to mind, the fear of higher premiums also deters drivers from calling their insurer. Windshields, on the other hand, can be called a no-fault claim, which means coverage without the rate hike. When a windshield replacement is needed, residents of the four Zero-Deductible states have their deductibles waived as well. One thing to bear in mind is that for any of these advantages, extensive coverage is required, as liability-only coverage does not include glass replacement. Interested readers can find more information about them at window tinting.

Is Windshield Replacement Covered by Insurance?

The response to this question is no if the auto insurance policy only provides liability coverage. Glass repair is rarely, if ever, covered by liability insurance, which means the driver would be responsible for the entire cost. The response is yes if the current insurance policy provides comprehensive coverage, as long as the cost is less than the deductible. Although having a higher deductible reduces monthly premiums, it also ensures that low-cost fixes must be paid in full by the driver. If the cost of the patch exceeds the deductible, filing a claim will save you money on the repair.

Can a Windshield Replacement Claim Increase My Insurance Rates?

If you like it or not, the majority of the time the answer is no. This is because chipped windshields are commonly considered a no-fault argument because the chip is rarely the driver’s fault in the first place. However, there are several exceptions, such as chips collected when intentionally driving off-road. The manner in which the chip happened, the policy chosen, and even the insurance company itself can all affect whether or not windshield repair is covered.

What Among the States With No Deductibles?

Only Florida, Kentucky, Massachusetts, and South Carolina are Zero-Deductible states in the United States. The Zero-Deductible rule ensures that the insurance deductible on any auto windshield repair is waived for residents of these states. Instead of restricting coverage to windshields only, Florida and Massachusetts go a step further and cover all glass repair under their Zero-Deductible laws. Comprehensive coverage is also needed, but premiums are normally unaffected, as they are in other states.