What You Should Know about Insurance on Auto Glass When it Comes to Windshield Replacement
Windshield damage and consequent replacement is something every driver has to deal with at some point. Filing an insurance claim is not the first option that comes to mind due to the fear of higher premiums. You may consider a no-fault claim or having your deductibles waived when you need to have your windshield replace, but need to have comprehensive insurance coverage to access such benefits.
Does Insurance Cover Windshield Replacement?
The answer is no, if you have a limited liability coverage. This type of coverage normally sees the insured paying out of pocket for glass replacement. The comprehensive insurance policy however, does cover glass replacement. You should decide to file a claim if the cost of the replacement is more than the deductible.
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Will A Claim for Windshield Replacement Raise My Rates?
Surprisingly, the answer to that question is, no. A chipped windshield is not normally caused by driver error and therefore falls under the no-fault claim. There may be occasions when is it caused by driver error and the details of the incident, the type of policy and insurance company are factors that will affect whether the replacement of the windshield is covered.
What About The Zero-Deductible States?
The US has four Zero-Deductible states, Florida, Kentucky, South Carolina and Massachusetts. In these states the deductible is automatically waived for any auto windshield replacement. Two states, Florida and Massachusetts take it a bit further by having all glass replacement covered as Zero-Deductible, not just windshield. You still need to have comprehensive however but your premiums are not any higher than other states.
So How Do You File A Claim For Windshield Replacement?
Reputable glass companies are very familiar with the process of dealing the insurance companies on behalf of their clients. Once provided with information such as the insurance carrier and the client’s policy number, they are able to handle all the other matters involved. This kind of relationship has made the filing of an insurance claim very easy. If however there is an issue with the cost of the replacement, whether affecting deductibles or if the client is paying out of pocket, it would be best to shop around.
Auto windshield replacement is one cost that is inevitable and your insurance will only pay for it if you have comprehensive insurance. This is further qualified because the cost of the deductible may be less than the cost of the repairs. The cost of your insurance rarely increases because of auto windshield claim since these are normally considered to be no-fault claims and if you are in any of the four Zero Deductible states, there is no need to pay the deductible. Finally, filing a claim is easy when you go through a reputable glass company.