When does insurance cover windshield replacement?

Most auto insurers cover windshield replacement if you have comprehensive coverage on your policy. In some cases, deductibles do not apply for windshield repairs. However, if you need to completely replace your windshield, you are likely to be responsible for paying your comprehensive deductible, unless you live in a “zero deductible” status. Most insurance companies will only pay for windshield replacement up to the cost of an aftermarket glass.

Your insurance company can only approve an OEM glass replacement if your vehicle has a specific safety or technology specification attached to the windshield that will only work properly with an OEM windshield. In most cases, your insurance provider will cover the cost of replacing your windshield. It's worth mentioning that drivers with comprehensive car insurance have an even higher chance of getting coverage. On rare occasions, you may need to take your car to a dealer to recalibrate it after replacing the windshield.

If you don't live in one of these states, you may have to pay your full deductible to have your windshield repaired or replaced. However, drivers should remember that replacing the windshield through their insurance provider usually requires drivers to pay a deductible (a down payment that is made before coverage starts). After filing the claim, the insurance company will require that the damage be inspected to determine if the windshield should be repaired or replaced. Even if glass damage is covered by your auto insurance policy, replacing the windshield with your insurance coverage could cost more.

Without delay, the glass shop moved to replace the windshield on the same day and took additional steps to ensure that the trim was sealed properly. Yes, USAA will pay for windshield replacement or repair services for customers who have comprehensive coverage. The good news is that replacing or repairing your windshield is likely covered by the comprehensive coverage already in your car insurance policy. Cracks over six inches long are considered irreparable and need a complete windshield replacement.

Windshield repair and replacement is usually very affordable, so it could cost less than your deductible. In some states, there are specific laws that regulate whether customers will have to pay their deductible for windshield repairs or replacements. The USAA waives the comprehensive deductible for windshield repairs, although customers will have to pay their deductible for the full replacement, unless their policy or state law says otherwise. Yes, you have to pay a deductible for windshield replacement if you use your comprehensive or collision coverage.

If your car insurance doesn't cover windshield replacement or glass damage, you should still do the repairs. If another driver breaks the windshield, their liability protection would pay for a replacement.

Leave a Comment

Your email address will not be published. Required fields are marked *