Does Insurance Cover Windshield Replacement?

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The windshield is an essential component of a vehicle that protects drivers and passengers from the wind, dust, rain, and other elements. Unfortunately, it is also prone to damage and can be costly to replace. Many drivers wonder whether their car insurance covers the cost of windshield replacement. In this article, we will explore the topic in depth and provide answers to some of the most commonly asked questions.

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What Is Windshield Replacement?

Windshield replacement is the process of removing and replacing a damaged or broken windshield with a new one. A new windshield is usually required when a crack or a chip is too large to repair or if the damage is in the driver’s line of sight. Windshield replacement is a complex process that requires specialized tools and skills.

When Is Windshield Replacement Needed?

Windshield replacement is needed when the damage is too severe to be repaired. The following are some of the most common reasons for windshield replacement:

Reason for Replacement
Description
Cracks
Large or deep cracks cannot be repaired and require replacement
Chips
Chips that are too large or located in the driver’s line of sight require replacement
Damage
Damage that compromises the integrity of the windshield requires replacement

Does Insurance Cover Windshield Replacement?

Whether your car insurance covers the cost of windshield replacement depends on the type of coverage you have and the cause of the damage. The following are some of the most common scenarios:

Comprehensive Coverage

If you have comprehensive coverage, your insurance will most likely cover the cost of windshield replacement. Comprehensive coverage protects you against damage caused by events like theft, fire, vandalism, and storms. If your windshield is damaged due to one of these events, your insurance will cover the cost of replacement.

Collision Coverage

If you have collision coverage, your insurance may cover the cost of windshield replacement if the damage is caused by a collision with another vehicle or object. However, you will be responsible for paying your deductible before the insurance kicks in.

Deductibles

Most insurance policies have deductibles, which is the amount you are responsible for paying before the insurance covers the rest of the cost. If the cost of windshield replacement is less than your deductible, you will have to pay for the replacement out of pocket.

Out-of-Pocket

If you do not have comprehensive or collision coverage or if the damage is not covered by your policy, you will have to pay for the cost of windshield replacement out of pocket. The cost can vary depending on the make and model of your vehicle and the size and location of the damage. On average, the cost of windshield replacement ranges from $200 to $500.

FAQs

Q: Will my insurance premium increase if I file a claim for windshield replacement?

A: Filing a claim for windshield replacement should not increase your insurance premium. Most insurance companies consider windshield replacement to be a no-fault claim, which means that the claim will not count against you.

Q: Can I choose where to have my windshield replaced?

A: In most cases, you can choose where to have your windshield replaced. However, if you choose a repair shop that is not approved by your insurance company, you may have to pay the difference in cost.

Q: Can I repair a windshield instead of replacing it?

A: In some cases, a windshield can be repaired instead of replaced. However, this depends on the size and location of the damage. A professional windshield repair technician can advise you on whether a repair is possible.

Q: How long does it take to replace a windshield?

A: The time it takes to replace a windshield varies depending on the make and model of your vehicle and the availability of the replacement windshield. In most cases, it takes between one and two hours to replace a windshield.

Q: What should I do if my windshield is damaged?

A: If your windshield is damaged, you should have it repaired or replaced as soon as possible. Driving with a damaged windshield can compromise your safety and the safety of others on the road.

Conclusion

Windshield replacement is an important part of vehicle maintenance that should not be neglected. Whether your car insurance covers the cost of windshield replacement depends on the type of coverage you have and the cause of the damage. If you are unsure about your coverage or have questions about windshield replacement, contact your insurance provider for more information.

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