Does Auto Insurance Cover Windshield Repair?

Cracked, chipped, shattered or otherwise damaged windshield is a fairly common occurrence that drivers have to deal with. The question of whether auto insurance will cover for Chandler auto glass repair often comes up but unfortunately there is no easy answer. There are a number of factors that affect whether or not your insurance company will pay for repairs or even replacement. 

Type of Policy

Generally speaking, comprehensive insurance covers windshield repair. You may still want to check with your agent to make sure this is true. Comprehensive insurance policies, true to their name, cover almost any damage that occurs on the vehicle despite of the circumstances. Collision policies and other limited policy generally only certain types of damage. If you have comprehensive insurance, there is a good chance you won't have to dig into your pockets for windshield repair. 

Your Location

Auto insurance policy standards vary from state to state so you may or not may not be covered for Chandler windshield repair or replacement. There might also be certain conditions if your windshield was shattered in a collision. In the event that your windshield was damaged in another state, the rules or conditions of the state where you picked up the insurance apply. Again, speaking to your insurance agent is the easiest way to determine whether you are covered for this type of repair.

 

Do Insurance Premiums Go Up For Windshield Damage?

In case you are covered for windshield repair and you are worried about your premiums going up if you claim for the damage; there is a good chance that your rates remain the same. This situation is of course only true if the damage happened in a non-collision situation. Most windshield damage is as a result of hail, stray rocks, falling branches and other unavoidable circumstances. If the damage is as a result of an auto collision, your insurance premiums will most certainly go up. 

Contact your insurance company if your rates go up for a claim not related to a collision. Your insurance company shouldn’t raise premiums on a windshield claim related to hail, rocks or other incident that wasn’t your fault. 

Windshield Repair Vs Replacement

Finally, your insurance company may attempt to avoid paying for a new windshield and advice that repairs is the way to go. This is of course true in many instances but not all. You need to use your own judgement and get the opinion of an auto mechanic on which option makes the most sense for your type of damage. 

Make sure that you get your repairs done by a reputable auto shop otherwise the fix might be just temporary. Now might also be a good time to check whether the auto shop offers Chandler transmission repair and other services that you might need in future. 

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