Does My Insurance Cover Auto Glass Repair?

Does My Insurance Cover Auto Glass Repair?

If you're in need of auto glass repair or replacement, it's important to know what is and isn't covered by your insurance policy. Many people assume that their policy won't cover the costs of windshield repair or replacement, but this isn't always the case. In this blog post, we'll discuss how auto insurance may help cover the cost of auto glass repair or replacement. Keep reading to learn more from your auto glass repair and replacement team at Prestige Auto & Truck Glass in Tampa!

Car with major glass damage

What Type of Glass Damage Has Occurred?

When your car's glass has been damaged, the first thing you should do is inspect the damage. There are numerous sorts of vehicle glass breakage, and it all depends on the cause. The cost of an auto glass repair is generally less than the cost of a complete windshield replacement. Whether or not you should make a claim with your insurance depends on the type of damage done since some repairs might be completed for significantly less money. Types of damage include chips, cracks, shatter, combination breaks, star breaks, and stress cracks.

Auto tech speaking with female customer

Repair or Replace Your Windshield?

There are certain types of windshield damage that can be repaired, while others necessitate replacement. For instance, windshields that have suffered from chips, cracks of less than six inches, star breaks, and stress cracks can be repaired. However, damage like shattering, combination breaks (several types of damage on the same windshield), or cracks longer than six inches require replacement.

If repair isn't an option, compare the cost of automobile glass replacement with your insurance coverage and deductible. However, it's critical to be aware of what your insurance covers before an accident occurs, as different policies protect different things. Florida is a "zero deductible state," which means that insurance companies are required to allow drivers with comprehensive insurance to add windshield replacement with no deductible to their coverage policies.

Pointing to a small chip in windshield

What Type of Insurance Do You Have?

The type of insurance you have may determine what sort of coverage is available to you in regards to repair or replacement of your windshield.

  • Liability: Liability coverage only protects the other cars in collisions. If another vehicle is to blame for the damage to your windshield, their insurance will pay for it.

  • Comprehensive: This insurance coverage typically covers things like a rock or pebble striking your windshield, acts of vandalism, animal damage, and falling items breaking your windshield, such as a tree. Comprehensive insurance usually includes a deductible of $100-$300, and some jurisdictions provide this with no deductible.

  • Full Coverage: As the name implies, this type of coverage covers everything.

Man fixing window crack

We'll Work With Your Insurance Provider

Prestige Auto & Truck Glass has extensive experience working with insurance providers in Florida, and we're happy to bring our expertise to the table! We'll work with your insurance company to find the best solution for you and get you safely on the road again in no time.

Are you in need of windshield repair or replacement services in Tampa? Contact Prestige Auto & Truck Glass today for a free estimate! We'll be happy to help you get your car back on the road with as little hassle as possible.

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