Will your insurance replace your broken windshield?
This is a common question for residents and car owners in the Mayville area. After all, windshield damage is one of the most common types of damage for vehicles around Wisconsin.
Unlike other types of vehicle damage such as a dented side door or a broken headlight, if your windshield is damaged too much, you can’t drive it.
To help you get a handle on how to repair your windshield as quickly as possible, let’s go over what to expect when making a glass damage claim with your insurance.
How to File a Claim for a Broken Windshield
The claims process with most insurance companies is fairly simple. This is especially true when it comes to glass damage like a broken windshield. Most insurance companies aren’t going to see your broken windshield as a sign that they need to hike up your premiums, first of all.
Next, they may even be able to send a glass company’s mobile service to your home to do the repairs. This means you won’t even have to get your car towed to a garage if it can’t be driven.
Of course, whether your insurance company covers glass damage will always depend upon your individual car insurance policy. You’ll need to check your policy first thing to see if the damage on your windshield is of the covered variety. If you can establish it is, contact your agent right away to begin the claim filing process.
Repair Vs. Replacement
There are two ways to fix a broken windshield: Repair or replacement.
If possible, you’ll want to get your windshield repaired instead of replaced. In fact, if your insurance company coves glass damage, they will want the fix be a repair over a replacement, if possible.
The good news is that most small chips and cracks smaller than a dollar bill can be fixed. Also, a glass repair job usually looks great.
Glass company mobile service technicians can often come to your house to do the work. They’ll fill in the problem area with a clear resin. You’ll never know there was a crack or chip there in the first place.
Paying for a Windshield Replacement
If your broken windshield cannot be repaired, it will naturally need to be replaced.
How much is a new windshield? That depends.
The cost of windshields several decades ago was generally around $100 to $150. But today’s newer cars may have oddly-shaped windshields or those with unique features such as precipitation sensors, special coatings to reduce sunlight exposure or warming technology. These can be $1000 or more to replace.
Ideally, your insurance policy will pay for the full replacement if it’s needed. It’s best if you have something called Full Glass Coverage in your insurance policy. With a lower deductible (or a $0 deductible), Full Glass Coverage will cover the entirety of your windshield replacement.
If you don’t have Full Glass Coverage, you likely have Comprehensive Coverage. After you pay your Comprehensive Coverage Deductible, this feature will usually cover glass damage and windshield replacement.
In some cases, another driver’s property damage liability insurance will take care of your windshield replacement if they were at fault for the damage.
The good news all around is that most insurance companies will not increase your premiums after a glass claim.
Preventing Vehicle Glass Damage
Sometimes, glass damage on your vehicle is unavoidable. This is often the case if road debris such as rocks flew up and hit your vehicle. This can happen as a result of:
- Another car driving too fast on the highway
- A huge semi-truck not having mud flaps
- A construction vehicle hauling open gravel
- Driving on a gravel road or the road’s shoulder
Mayville area residents may experience more windshield damage issues than other Wisconsin residents because of the prevalence of large trucks on the highway and back gravel roads. To speak to an agent about getting windshield replacement coverage for your auto policy, contact Mayville Insurance today.