A broken or cracked windshield is one of the most common forms of damage to a vehicle. While they may sometimes only feel like a little nuisance, if left unchecked, they can be pretty dangerous. Damage to your windshield can occur from a falling branch, or even an unlucky rock being kicked up from another vehicle on the highway. While this is one of the most common types of damage, it may not be covered by a standard auto policy.
Most of the time, a cracked or damaged windshield is only covered if you’ve opted for comprehensive coverage. Even though 4 out of 5 drivers opt for this coverage, comprehensive coverage is technically optional. “Comp,” typically covers damage to your car from factors OTHER THAN a collision (the other optional coverage), like more unexpected incidents, like damage from animals, vandals, natural disasters, or fire. Check your specific policy to see if auto glass repair is covered. If you see that it is, it might be worth taking a minute to inquire further as sometimes only your back and side windows are protected.
So, your windshield has been cracked. You want to take care of the repairs before this crack can turn into a spider-web spanning the entire windshield. You check your insurance policy to see if the damage is covered. Whether it’s covered or not, there are a few things to consider.
- Replace or Repair? – It used to be said that replacement should always be considered over repairs, but that isn’t the case anymore. The National Windshield Repair Association says “The average crack repair is around $99, while the average replacement in the United States is around $350.” So if your windshield isn’t severely damaged, repair may be the best route for you.
- The Cost – Because the cost of replacing or repairing a windshield is relatively low in terms of auto repairs, it’s important to consider both your deductible and your premium before making a decision.
- Deductible – Windshield repair or replacement can generally range from $100-350. For example, if you have a $100 glass deductible on your policy, a $120 repair cost would hardly be worth making a claim.
- Premium – Because your deductible may be just barely above your repair costs, you’ll want to think about your premium before deciding to file. Filing a claim for the $20 difference in a windshield repair shouldn’t cause your premium to go up by the one claim alone, however it does add a claim to your policy. The more claims you file, the higher your premium can get, so be aware of the risk before you file a low-reward claim.
Windshield damage happens, and your insurance policy won’t always cover it. When it does, it pays to do some research into the costs and expenses before making a decision. All of the comprehensive auto policies offered through Rogers & Gray provide a $0 glass deductible, meaning you won’t be paying out of pocket for any glass damage. Contact an agent below if you have any questions, or want to get started on a quote!
Mel Meyerhans | CISR Elite
Consultant | Personal Insurance
Mel holds a CISR Elite designation – A Certified Insurance Service Representative Elite – which showcases her exceptional insurance education and depth of knowledge. Joining Rogers & Gray in 2013, Mel is a personal insurance consultant focused on online sales and loves helping clients get the best coverage for their lifestyle.
You can connect with Mel on LinkedIn or on Facebook.