Your Complete Guide to Windshield Replacement and Insurance Coverage

A cracked or damaged windshield can be a significant inconvenience and a safety concern. Fortunately, if your windshield needs replacing, many auto insurance policies can help cover the costs. This makes the process more affordable and stress-free. Understanding how to navigate windshield replacement using insurance can save you time and money. In this blog, we’ll go over what you need to know.

When is Windshield Replacement Necessary?

Your windshield plays a crucial role in your vehicle’s safety and structural integrity. Small chips and cracks can sometimes be repaired if caught early, but more extensive damage requires complete windshield replacement. Signs that your windshield needs replacing include large cracks over six inches, cracks directly in your line of sight, damage near the edge, or multiple cracks that compromise the glass’s strength.

Insurance Coverage for Windshield Replacement

Many auto insurance policies include comprehensive coverage, which often covers windshield repair and replacement. Some policies even waive the deductible for glass claims, encouraging drivers to fix damage early rather than delaying and risking more costly repairs.

Things To Consider

• Check Your Policy: Review your insurance policy or contact your provider to verify coverage specifics. Confirm if windshield repair or replacement is covered and whether there is a deductible.

• Glass Coverage: Some states and policies have special glass coverage that limits or eliminates your out-of-pocket expense for windshield repairs.

• No Deductible Options: Certain policies or providers offer no-deductible windshield replacements, making the process more economical.

Filing an Insurance Claim

Filing a claim is often straightforward, but there is something to be said for having the auto glass company file the claim for you. It eliminates the possibility of having to wait on hold for a long time. Additionally, insurance companies often form partnerships with large corporate businesses and may direct you to them without providing a choice.

As long as the auto glass provider is in your insurance company’s network, you can choose them. Studies have shown that small, independently owned auto glass services score higher when it comes to quality of parts and work, plus the customer service is top of the line.

Follow these steps so you can be sure to select the auto glass company you want, not the one the insurance company chooses:

1. Select a Reputable Auto Glass Service: Do your due diligence and research your options. Remember, small, locally owned, independent providers typically have higher review ratings on Google and Yelp for a reason.
2. Assess the Damage: Get a professional inspection to confirm that the windshield needs replacement.
3. Contact the Insurer: You can call the insurance company, or you can let the professionals at the auto glass company do it for you. Leaving this part of the process to the professionals will save you time and money.
4. Schedule the Replacement: A reputable auto glass company will handle billing directly with your insurance provider, so all you need to do is schedule a convenient replacement time.

Choosing a Quality Replacement Shop

When researching auto glass technicians, look for one who has been in business for a while and has an excellent reputation. You can find reviews on both Yelp and Google. Check out our Google reviews here.

Also, be sure they use OEM (Original Equipment Manufacturer) or equivalent glass to ensure safety and durability. Reputable shops also guarantee their workmanship and may offer warranties on their replacements.

Cost Savings and Additional Tips

• Use Certified Services: Insurance often covers only certified repair shops, so verify before scheduling.

• Stay Safe: While waiting for your replacement, avoid driving with a compromised windshield or limit your travel.

• Prevent Future Damage: Regularly inspect your windshield for chips and cracks, and address minor damage immediately to prevent larger issues.

Replacing a windshield using insurance can significantly lessen your out-of-pocket expenses and streamline the repair process. Always review your policy details, work with trusted providers, and ensure the repair shop uses high-quality materials. Being proactive about windshield damage not only keeps you safe but also helps maintain your vehicle’s value.

Is Your Windshield Damaged in Mt. Airy?

If you discover damage to your windshield in Pilot Mountain, Elkin, or Mt. Airy, NC, contact us at Goin Glass. All of our work comes with a lifetime guarantee, and we are a locally owned, independent shop with professionals who are happy to contact your insurance company. Goin Glass is partnered with most insurance providers.