Does My Auto Insurance Deductible Apply To Windshield Repair

Auto insurance can be confusing and difficult to understand how it works with windshield repair. Keep reading to learn the basic insurance lingo to keep yourself informed about windshield repair.

Wizard Auto Glass works hard to get the best deal and works with your insurance company to save you time and money. Let our team handle your windshield repair for the professional and reliable service. Call (877) 564-5331 now!

Comprehensive Coverage: Comprehensive coverage covers damage done to your vehicle and others not relating to a collision. Comprehensive coverage would typically benefit someone with a more valuable vehicle, someone with an auto loan, or a replacement is more than someone can afford. Comprehensive coverage can save you from paying from your own pocket since the insurance company may be paying for multiple vehicle repairs.

Liability Coverage: Damage inflicted to other vehicles are covered under liability coverage. A situation where this coverage would be beneficial is when your vehicle is older, has some minor damage, and care for your vehicle is not as big of an issue.

Deductibles: Whenever a claim is filed against your insurance, a deductible must be paid. A deductible is paid towards your repair before the insurance company pays off the rest. Deductibles may range from $250 – $1000. For example, someone may need to pay a $500 deductible for a $1000 repair and the insurance company would pay the rest. Having a lower deductible would save you money on the repairs that need to be made for each incident, but it would increase your annual premiums.  

Insurance and Windshield Repair

Comprehensive insurance would cover windshield repair, however, there are some things to keep in mind when weighing your options.

  1. Many auto insurance companies have another policy that defines coverage for windshield damage. This special condition may offer a lower deductible paid towards windshield replacement.
  2. If the damage is minimal, such as a chip or a scratch, you can get your windshield repaired for no cost at all
  3. If you don’t have specific glass coverage and a high deductible, the best option should be to not use your insurance at all and pay out of your pocket. This can save you money on your present repair and future claims on your insurance.
  4. Many auto glass shops have special promotions where they reduce deductibles or may offer some other financial benefits.

Need auto glass technicians that will work with your insurance company? Call Wizard Auto Glass at (877) 564-5331 or fill out an online form here.