Will My Insurance Cover Windshield Replacement or Just Repairs?

Windshield replacement may cost less than you think -especially if your insurance policy covers part of the cost.

Often, Houston windshield repair or replacement is covered by a comprehensive insurance policy, Many times, the deductible for a windshield replacement is under $100, meaning you could potentially have new window for much less than you would normally expect to pay.

One of the first things that you should do after noticing a chip or crack in your windshield, is to contact your insurance company to see if you are covered. Most times, a comprehensive car insurance policy will cover at least part of a windshield repair or replacement. Your insurer will be able to inform you of the extent of your coverage, and advise you on your options.

Report your claim as soon as possible. This allows the claim to be processed and allows the repairs process to be completed in a timely manner, preventing the crack from becoming worse.

If your window isn’t damaged too badly, you may be able to have it repaired rather than replaced. This is great news for most people, as most insurance companies would rather pay for the entire cost of repairs rather than pay for part of the cost of a replacement. Oftentimes, an insurance company won’t even charge a deductible, and will cover the entire cost of the windshield repairs.

If a windshield has a crack that is bigger than six inches, it is likely that it will need to be replaced by a Houston auto glass company. For window replacement, an insurance company will require that you pay them the deductible, and they will pay for the complete window replacement. If you would like OEM windshield rather than an aftermarket one, your insurance company may give you the option of paying the price difference between the aftermarket and OEM windshield. This means that the insurance company will pay up to the cost of aftermarket glass, and you would cover the additional expense of the OEM windshield.

Be sure to report your claim first, before you have any work done on the windshield. This allows you to make sure your windshield will be covered. It is also important to obtain authorization from your insurer before any repairs are made. Often insurance companies will withhold part of the coverage if repairs are made before authorization.

After you contact your insurance company, you should make an appointment with a Houston windshield replacement company for your window damage to be assessed. By having an assessment done on your window, you will learn whether your windshield will need to be replaced, or if it can be repaired.

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