Does my Insurance Cover Auto Glass Replacement?
A damaged windshield on your car is not only an inconvenience and a financial burden, but it is also a danger. With the average car owner now travelling more on highways than ever before, it is no surprise that 1 out of 5 cars ends up with a chipped windshield at some point during a journey. Leaving that small chip untreated can cause it to spread across the windshield, which can limit your visibility while driving, putting your life at risk.
Depending on the auto glass insurance company you choose, you may be assigned to a network, which will refer you to the nearest shop based on your postal code, or you can select your own windshield repair company. The first case is unfair to you since you are prompted to have your windshield glass repaired or replaced based on the repair facility your insurance company chooses to use rather than a network.
Regarding the million-dollar question, “Is auto glass replacement covered by my insurance?”, the response is that as a rule of thumb, if you have comprehensive insurance, your auto glass replacement will most likely be covered. Generally, broken glass, be it a window or windshield, falls under the Comprehensive Physical Damage section of most auto insurance policies. However, there may also be cases where you will be required to pay a deductible (the amount of money you will be required to pay out-of-pocket) before your insurance company covers the remainder of the cost of the replacement or repair. Deductibles typically range from $250 to $1000. In other words, if you have a $300 deductible, you will need to pay $300 before your insurance covers any extra replacement or repair costs. There are, however, some auto insurance companies that will cover the repair costs AND waive your deductible as well.
Things to Note When Considering Filing a Claim for Windshield Replacement or Repair
Replacing or repairing a windshield is much less expensive than replacing or repairing a car. However, you should still know how your insurance company will handle auto glass replacement and repair. In many cases, insurance companies will offer a smaller deductible amount, ranging anywhere from $100 to $1000 for broken glass replacements. Generally, you can find this caveat in an insurance contract under the Special Windshield Coverage section (or something similar).
In some cases, repairing a cracked windshield may also be free of charge if the damage is minor. Alternatively, some auto insurance policies provide FULL glass coverage, which differs from comprehensive coverage in that there is no deductible, and the insurance pays the total glass coverage amount upfront. It is, therefore, imperative that you are aware of the terms and conditions of your insurance policy before paying cash to a windshield repair firm.
***Please note that if you face a high deductible on auto glass coverage that can’t be negotiated, it may be best to pay for the replacement or repair costs yourself to avoid unnecessary claims that could adversely affect your insurance rates. Furthermore, you may find that a less expensive auto glass repair facility can do the job just as efficiently for you.
Windshield Damage Covered By Canadian Insurance Companies
Research conducted in 2013 indicated that RBC Insurance, TD Insurance, and State Farm were among the best-rated insurance providers in overall customer satisfaction with claims processing. But when it comes to auto insurance policies, Geico has a share (8.5% of the US market), coming third after State Farm (18.7%) and AllState Corp (10.2%).
In order to ensure safety, it is essential to have any broken windshield repaired or replaced according to factory specifications and only by qualified technicians. Additionally, any replacement glass must meet all vehicle standards. It goes without saying that the auto glass repair facility you choose should be recognized by the great majority, if not all, of insurance companies.
That’s why you need Auto Glass Pro located at 1170 Eglinton Ave E #2b. Call us at 905-281-2022. We work directly with your auto insurance provider. Contact us or give us a call right now to discuss your needs for windshield replacement or repair. Moreover, we will pay up to 100% of your deductible!
Got a rock thrown from a dump truck and damaged my windshield the other day. Got appointment next day. Fast friend and efficient service. Would highly recommend.
I am so please to let people know about this company!!! I personally wish there were more people let alone companies like this one. From the moment I contacted them to the time our windshield was replaced- very impressed! Congrats! Want to let everyone know you've gone to the right place. They'll take Great care of you!.
I highly recommend Auto Glass pro. They did great job work on my windshield.
Abby was extremely helpful and knowledgeable and professional. Sultan took care of my concerns in a quick and responsive manner. Great experience.
Great service! Pricing was so much less than other quotes.