If you have an insurance policy covering windshield replacement, you might wonder whether it’s worth using your coverage to get the job done.
When deciding whether or not to use their insurance for windshield replacement, most people consider several different factors. What are some of these? Well, here are fifteen of the most common ones.
1. How is this covered in my insurance policy?
It’s important to review your current auto insurance policy before calling your provider to schedule a windshield replacement appointment. By doing so, you’ll gain more insight into what the process will look like and how much money you can expect to spend when getting your car repaired. Most policies cover windshields in one way or another, with some even requiring glass repair in the event of damage.
2. What is the deductible?
Your deductible is the amount of money you are responsible for paying out-of-pocket in the event of a car accident or other covered loss. This amount can range anywhere from $100 to $1,000, so it’s important to know what you’re working with before deciding. If your deductible is high, it might not be worth using your insurance to replace your windshield; on the other hand, if it’s low, you might as well go ahead and get the work done.
3. How long has my windshield been broken?
Another factor to consider is how long ago you got your windshield cracked. Generally speaking, the longer it’s been since the accident occurred, the less likely it is that your insurance company will cover its replacement. After all, if there’s no damage left to fix (as would be the case after one year), why should they pay to replace an undamaged component?
4. Does this affect my current rates?
In some cases, using your insurance to replace a windshield can increase rates. If you’re considered a high-risk driver or have been involved in multiple accidents, your provider might raise your premiums due to getting the work done. This is something you’ll want to consider before deciding to use your coverage.
5. How much will this cost me?
The final factor to consider is how much the replacement will cost you. Glass repair and replacement can be expensive, so it’s important to make sure you have the funds available to cover the expense. Some providers offer payment plans, making the whole process more affordable.
6. How often do I use my car?
Suppose you don’t use your car very often; getting a new windshield is not a top priority. Windshield replacement can be a hassle, and if you don’t plan on driving that often, the process might not be worth it. On the other hand, if you’re constantly commuting or having mobile windshield repair, then getting your windshield replaced as soon as possible is probably a good idea.
7. Is my car ready for a new windshield?
Just because your insurance covers a replacement doesn’t mean your car is ready for the process. If you are having a mobile windshield repair, in some cases, you may need to replace other parts to ensure that your windshield can be fixed safely and securely. If these additional repairs are required, they’ll need to be factored into the overall cost of getting a new windshield.
8. Will my old glass affect my warranty?
Many people don’t realize this, but when you get a new windshield installed on your vehicle, it’s not considered part of your factory warranty unless you have manufacturer-backed glass coverage. This means that if something happens with the glass later on down the road, it won’t be covered by most manufacturers’ warranties.
9. Do I have any limitations?
Your car’s windshield is an important safety feature, so there are some limitations to what you can do when getting it repaired or replaced. Some insurers will not cover replacements if the new glass doesn’t meet certain safety standards. Additionally, some providers have restrictions on the type of glass used for replacement.
10. What are my other options?
If you’re not happy with your insurance company’s coverage or rates, other options are available to you. Several providers offer windshield repair and replacement services, so it’s important to do your research before deciding.
11. Should I file a claim if I have glass coverage on my policy?
If you have glass coverage on your policy, you should contact your insurance company and determine how much your deductible will be. In many cases, the deductible for glass coverage is lower than for comprehensive coverage.
12. Will I void my warranty by filing a claim with my insurance company?
Most warranties do not cover damage caused to the windshield by rocks or other debris, so it shouldn’t void your warranty. Also, most manufacturers require that you use factory-approved parts when repairing or replacing windows and windshields, which means that aftermarket replacements won’t affect your warranty.
13. What’s the average cost of windshield replacement in my area?
Glass companies usually charge by the type of car and the windshield size. The cost of labour and materials can also vary depending on where you live. You can get an idea of windshield replacement costs in your area by checking with local glass companies or doing an online search.
14. The deductible on your policy
If the dealer’s insurance covers the replacement, you may be responsible for any deductible placed on your policy. This can vary from company to company, so make sure you know what yours requires if they end up replacing your windshield with their coverage.
15. Will my insurance company raise my rates?
Most car insurance companies reserve the right to raise your rates after filing a claim, even if it’s not for a major accident. So, if you’re concerned about your rates, ask your insurance company how likely it is that they will raise them after you file a claim for auto glass replacement.
In conclusion, if your windshield is badly cracked but still intact, you should consider other factors before deciding whether to use the insurance money to replace the windshield.
