Is it worth filing a claim for a cracked windshield?
As the owner of Kevin's Autos, I often encounter questions from customers regarding the best course of action when faced with a cracked windshield. This common issue can be both frustrating and concerning, especially when it comes to safety and financial implications. In this article, we will explore the factors to consider when deciding whether to file an insurance claim for a cracked windshield.
Understanding the Impact of a Cracked Windshield
A cracked windshield can compromise the structural integrity of your vehicle and obstruct your view while driving. It's essential to address this issue promptly to ensure your safety and the safety of others on the road. However, before you rush to file a claim, consider the following factors:
- Severity of the Damage: Small chips or cracks may be repairable, while larger cracks often require a full windshield replacement.
- Insurance Deductible: Check your insurance policy to see what your deductible is. If the cost of repair or replacement is less than your deductible, it may not be worth filing a claim.
- Claim History: Frequent claims can lead to higher premiums. If you have filed multiple claims recently, it might be better to pay out of pocket.
- Insurance Coverage: Some policies offer full coverage for windshield repairs without affecting your deductible. Understand your coverage options before making a decision.
Steps to Take if You Decide to File a Claim
If you determine that filing a claim is the best option, follow these steps to ensure a smooth process:
- Document the Damage: Take clear photos of the crack and note its size and location.
- Contact Your Insurance Provider: Reach out to your insurance company to report the damage and inquire about the claims process.
- Get Repair Estimates: Obtain quotes from reputable auto glass repair shops to provide your insurer with accurate information.
- Schedule Repairs: Once your claim is approved, schedule the repair or replacement as soon as possible to maintain safety.
Conclusion
In summary, whether or not to file a claim for a cracked windshield depends on various factors, including the severity of the damage, your insurance deductible, and your claim history. Always weigh the pros and cons before making a decision. If you have any questions or need assistance with your vehicle, feel free to reach out to us at Kevin's Autos. We're here to help you keep your car safe and in top condition!
Frequently Asked Questions
How much does it cost to repair a rock hit windshield?
Costs for windshield repairs vary by location, auto glass service provider and damage type. Typical prices range from $60 to $100 for a single chip, and discounts may apply when fixing additional chips on the same windshield. Crack repair prices are similar, although fixing a longer crack may cost $125 or more.
Should I file an insurance claim for a windshield?
If your windshield is damaged one of the first questions you'll ask yourself is, “Should I use insurance to replace my damaged windshield?” Since most comprehensive auto policies do cover auto glass damage—including the cost of windshield replacement—for most people the answer to this question is “Yes!” However, ...
Will a windshield claim make your insurance go up?
Filing an Auto Glass Claim May Impact Your Insurance Rate
If the damage was your fault, even if it's your first claim, there's a definite chance your rate will increase. That's because, in the provider's eyes, you present a greater monetary risk for the company.
What does $500 deductible with full glass mean?
For instance, if you're considering full glass coverage with a $500 deductible and an additional cost of $5-$10 per month on your premiums, it means that before your insurer covers any repair or replacements due to glass damages on your vehicle's windshield, sunroof, or even side windows during an accident or other ...
Who is responsible if a rock hits my windshield?
When a rock from the vehicle in front of you hits your windshield, the first question on your mind might be, “Who's responsible for this?” Unfortunately, in most cases, the answer is you.
How do I file a claim for a broken windshield?
After the incident occurs, contact your insurance agent. Follow the directions your agent gives you to provide all documentation related to the accident and file your claim. Most insurance companies let you file a claim by a phone call, mobile app, online, or in person.
How much does insurance cover for windshield replacement?
A deductible is not the same as your premium, which is what you pay to maintain your policy. For example, say your comprehensive deductible is $500, and your windshield replacement would cost $700. In this case, you would pay $500 and your insurance will cover the remaining cost.
Why is my windshield not covered by insurance?
If the cost to replace your windshield is lower than your comprehensive deductible, your insurance may not cover it. This could be the case if you don't carry a separate glass deductible and your comprehensive deductible is high.
How long does a windshield claim stay on your insurance?
Insurance carriers usually keep claim records for five years. When you apply with a new insurance company, they will receive a C.L.U.E. (Combined Loss Underwriting Exchange) report that shows your claims from the past five years. Even towing and windshield replacement claims can show up in a C.L.U.E. report.
Does a cracked windscreen count as a claim?
Yes. If you have insurance that includes cover for glass damage, you can make a claim. In most cases, you will only have to pay your excess.
