In some states, insurance companies cannot raise your rates because you filed a car window repair claim. You will typically find glass protection and replacement in the comprehensive portion of your insurance document.
A variety of insurance companies will pay for a windshield repair without costing you anything out of pocket. At Discount Autoglass, we work with your insurance company to help make the process smooth, convenient, and quick.
When our insurance specialist calls your insurance company, a third party company typically handles the claims process. This third party company is called a Third Party Administrator. We usually find Lynx Service or Safelite solutions handle our claims frequently.
So many insurance claims for glass are filed every year that the insurance companies outsource the auto glass-only claims to third parties. These third parties have enough of your information to help present the request, but may not be able to help you with coverage-related issues.
When you are dealing with filing an insurance claim for auto glass, you need to have an understanding of the process.
Repair or Replace
The first step in this process is to determine if your windshield needs to be replaced or repaired. If the glass is cracked but not shattered, a trained specialist can decide if it needs to be replaced entirely or if it needs repair.
The National Windshield Repair Association states that repair is much less expensive than replacing a windshield. However, it must be appropriate to repair instead of replace for it to be effective. If a repair is the best option, it is best to do it as soon as possible, because a repair will help prevent the crack from getting worse.
Most auto glass repair shops agree that a chip or crack smaller than a credit card or dollar bill can be repaired. If the crack or chip is more massive, the windshield must be replaced. Discount Autoglass can have a specialist help you to choose between replacing or repairing the issue.
In the vast majority of cases, your windshield and car windows are covered if you have comprehensive or full glass insurance coverage. Comprehensive coverage typically helps to pay to replace or repair a damaged windshield under certain circumstances.
Full glass coverage is available in some states as part of or in addition to the comprehensive insurance policy. If you have this type of insurance, a deductible for the repair or replacement of your windshield may not be required.
Comprehensive insurance covers most types of damage not caused by another vehicle. Sometimes, it is referred to as ‘acts of God.’ Some examples of what comprehensive coverage may reimburse you include:
- An animal hitting into your vehicle’s windshield
- An act of vandalism
- Tree branch breaking the windshield
- Baseball thrown into the windshield
- A stone tossed into your windshield while driving
It would be best to double-check your policy to see which events are covered by your particular insurance. Most policies cover the windshield, but you should check to see if all of your automobile glass is included. Sometimes, your side windows are covered and not the windshield.
No Comprehensive Coverage
Unfortunately, if you do not have comprehensive coverage, your insurance will probably not pay to repair or replace your windshield. However, there are two exceptions when liability insurance will help pay to repair or replace your windshield.
The first exception is if a person crashes into your car and is at fault for the accident. When you file a claim against the property damage liability portion of the other person’s insurance, you can repair a windshield or other broken parts in the accident.
The second exception is if you can file against homeowners or renter’s liability insurance. If another person breaks your windshield, you can file a claim against these types of coverages. If the person who broke the windshield has either of these insurance types, the insurance policy may have a liability portion designed to cover expenses for things he or she damages.
A variety of experts recommend that you get comprehensive and collision insurance if your car is ten years or younger. If your vehicle is worth more than $3000, it is also recommended. You should be aware that these two types of coverage may double the cost of auto insurance. However, the damage done to your car can cost more to repair than five years of insurance premiums in some cases.
Filing a Claim
When deciding if you should file a claim, the first consideration should be deductible versus repair costs. When you submit a claim, the insurance company will subtract your deductible from the total amount claimed.
For instance, if your deductible is $200 and the bill is $500, the insurance company will only give you $300 for the claim. If your deductible is more than the windshield repair, you will not receive anything from your insurer.
After researching this issue, it was determined that if your deductible is over $1000, it was unlikely your windshield cost would exceed this amount. However, if your deductible was $250 or $500, filing a claim becomes a little trickier.
Some comprehensive policies will waive the deductible for auto glass repair or replacement claims. Before making a final decision about filing a claim, you should talk with your insurer or consult your policy to see if you have this provision on your insurance policy.
If you decide to file a claim with your insurance, we can handle all of the paperwork. The claim process typically takes about ten to fifteen minutes to complete. If OEM parts are needed for a glass replacement, an approvals process must be followed.
This process has already been established by the insurance company and can take between 48 and 72 hours to get approval. The insurance company will notify us when they approve or deny the use of OEM glass or parts.
Once the parts are approved, we can complete the installation in a short time. If applicable, when the installation is complete, we will bill your insurance company. You may need to pay your deducible if required.
If you need more information about car glass insurance claims, call us today or contact your insurance company for specific policy questions. While on the phone ask us about our lifetime warranty.