FAQs: Windshield Replacement and Car Insurance

When faced with replacing your windshield you’re likely to have questions. Some of those will undoubtably be about the process itself; however, others will probably be about whether your insurance company will help you foot the bill. Here are some of the most frequently asked questions Jack’s Glass receives about windshield replacement and car insurance.

Will my car insurance cover windshield replacement?

Unfortunately, we can’t give you a straight “yes” or “no” answer to this one. The answer will depend on your specific auto insurance policy. Review your insurance policy or better yet contact your agent to get the details about what is or isn’t covered. Ask about specific situations. For instance, are you covered for break-ins? What about bad weather or debris that flies up and hits the car?

Even if you do have some auto glass replacement coverage built into your policy, it may not be all inclusive. For example, it may not cover the material and the labor. Again, that’s why its important to talk to someone at the insurance company so you aren’t left with a nasty surprise (in the form of a hefty bill) when your windshield is replaced.

In addition to varying from policy to policy, your coverage may vary from state to state. Some states have laws in place that require insurance companies to cover auto glass replacement if the individual has a comprehensive policy. Unfortunately, Ohio is not one of those states.

Will my car insurance premium increase if insurance pays for my windshield replacement?

Not necessarily. Typically, your auto insurance policy premiums are based on a slew of factors including your driving record as a whole. For instance, everything from moving violations to accidents can have a huge impact on whether or not a windshield replacement will increase your premium.

Keep in mind that even if submitting a claim does not increase your premium, it will go on your insurance record.

Do insurance deductibles apply to windshield replacement?

In most cases, your policies deductible will apply. This means if the cost of your windshield replacement is $350 but your deductible is $500 you would have to foot the bill out of pocket.

However, in some states, like Kentucky, the deductible is waived if you have full or comprehensive coverage. This is actually the law; to be eligible it requires you to be covered by comprehensive insurance that meets the minimum standard of the Kentucky Revised Statute (KRS). Unfortunately, Ohio does not have a similar law.

Can I choose the company that replaces my windshield?

If you call your insurance company to report a damaged windshield, you may actually end up talking to a TPA (third party administrator). This individual may tell you that you are required to use a certain auto glass company for windshield repairs or replacement. He or she may tell you that you will be billed more or that the work will not be warrantied by your insurance company if you don’t use a “preferred” provider. Depending on the state you live in, this information may be completely incorrect.

Kentucky, like many other states, is a “right to choose” state. This means you can pick your auto glass company. To learn more about “right to choose,” read You Have the Right to Choose Your Auto Glass Company.

At Jack’s Glass, we know needing a windshield replacement is stressful enough without having to jump through hoops to figure out your instance policy. That’s why we’ll work through the claim’s process step-by-step with your insurer.

Even if you are not covered by your car insurance, it is important to have your damaged windshield repaired or replaced in a timely manner. Yes, it’s a bummer to have to spend the money but it’s worth it to ensure your vehicle is safe for you and your loved ones. Keep in mind that even minor cracks can get substantially worse over time, especially during times of temperature change. Allowing a crack or chip to worsen is not only dangerous it may end up costing you more money in the long run.

Tip: Considering DIY windshield repair to save a few bucks? Be sure to read DIY Windshield Repair: Is It Safe? first to ensure you’re fully informed.

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Have even more questions about your windshield repair or replacement or want to get a quote? Contact us today.