When you get a windshield replaced, the cost is among the most significant concerns. Understanding how much you will spend to get the work done is important. Insurance can help, but relying on it can be scary and confusing for many people. What types of insurance cover windshield replacement? Is windshield replacement covered under comprehensive insurance? How do I know if my insurance covers replacements? This blog dives into those topics and will tell you what you need to know about insurance and windscreen replacements.
Does Insurance Cover Windshield Replacement
Any insurance policy with comprehensive coverage covers the cost of a replacement. Comprehensive coverage pays for auto glass damage or other non-collision losses, such as:
- Damage caused by a falling object
- Damage caused by weather events (Hurricanes, hail, etc.)
- Vandalism
- Theft
- Hitting an animal
- Fire
Collision coverage pays for a windscreen replacement if an accident causes the damage. Comprehensive and collision coverage protects your windscreen and overall vehicle in unexpected situations.
Should I Use Insurance to Replace My Windshield
Using insurance for a windshield replacement can save you money, but it depends on your deductible. If the replacement cost is lower than your deductible, paying out of pocket makes more financial sense. However, filing a claim can significantly reduce your costs if the repair exceeds your deductible.
Your financial situation also plays a role. Insurance is a better option if covering the cost upfront would strain your budget. Always compare the deductible against the repair cost before deciding.
Do All Insurance Policies Include Glass Repair Coverage
No, not all policies cover glass repair and replacement. Many exclude auto glass damage, making comprehensive and collision coverage especially valuable. These two types of coverage offer the most reliable way to avoid paying out of pocket for repairs or replacements.
However, some optional policies can help cover glass repairs, including:
- Full Glass Coverage
- Zero Glass Deductibles
- Standalone or Glass-Only Coverage
- Third-Party Warranties and Policies
How Does Windshield Replacement Coverage Vary By Provider
Insurance providers offer different policies, deductibles, and monthly premiums, which impact how much you’ll pay for windshield replacement. Some providers include comprehensive and collision coverage, while others require optional glass coverage.
Policies also vary by state regulations. Some states, like Florida and Kentucky, require insurers to cover windshield replacement with no deductible. If you’re looking for a company specializing in auto glass in San Diego, CA, check whether your insurance policy covers repairs or replacements before scheduling a service. Before choosing a provider, review their policies, deductibles, and any state-specific requirements that may apply.
Need windshield replacement in San Diego? Auto Glass Specialists offer reliable, affordable auto glass services. Contact us today for a quote.