If you need a new windshield, your insurance can help to ease the cost of windshield replacement – if you have the right coverage.
There are three types of insurance coverage that make up your accident policy: liability, collision, and comprehensive. While liability coverage is mandatory, collision and comprehensive are optional.
A windshield replacement claim would typically be filed under comprehensive coverage that includes glass damage. However, there are some things to consider before making a windshield claim.
In certain places that experience an excess of windshield claims, like Alberta, some insurance companies don’t include windshield replacement coverage in their policy. It’s best to ask your insurance provider for more information.
What is windshield insurance?
Windshield insurance is included in comprehensive insurance coverage that covers the cost to repair or replace a damaged windshield from stones or other debris. A cracked windshield from an accident would be filed under a collision claim.
If you have windshield coverage, the replacement is still not free. You’ll likely be required to pay the cost of your comprehensive deductible. If you have a comprehensive insurance policy that includes glass damage, you might be covered for chip repair and scratches as a result of flying stones or vandalism.
Tip: If your windshield is chipped, take it in for repair right away before it spreads into a full-blown crack. A professional shop like 5-Star Auto Glass can perform repairs quickly and efficiently.
Will my insurance rates increase if I file a windshield replacement claim?
In short, a comprehensive claim won’t cause your rates to increase. Although your premium will stay the same, if you have too many claims on file, it could affect your rates in the long run.
If you can pay out of pocket for a windshield replacement, it’s always best to stay claims-free on your insurance policy to protect you should you need to file a more significant claim in the future.
What if I don’t have full coverage?
If you don’t have comprehensive coverage, then you will be required to pay for windshield replacement and repair out of pocket. It’s best not to delay a windshield repair as a cracked windshield can reduce your visibility and cost you a traffic fine.
Depending on the extent of the damage, a cracked windshield can compromise the structural integrity of your vehicle and provide less protection in the event of an accident.
Keep 5-Star Auto Glass in mind for your next windshield repair and replacement to receive quality and professional care.