Windshield damage can pose a serious safety risk to drivers, impeding your clear view of the road and increasing the likelihood of an accident. And because even a small chip can quickly evolve into a major crack, windshield replacement should be a priority at the first sign of damage. Fortunately, your auto insurance may cover the cost of a replacement or repairs. 

Covered Damage

Whether your policy includes windshield replacements and repairs is determined by the type of coverage you have and, in some cases, how the damage was sustained. In most situations, comprehensive coverage pays for replacing a windshield. This type of policy protects against non-collision events beyond your control, which would typically include an object hitting the windshield or weather extremes damaging the auto glass.

But even if you don't have comprehensive, your collision policy may cover the cost of replacement or repairs. However, the damage must be the result of an accident with another vehicle, no matter who was at fault for the crash.

How to File a Claim

To have your replacement or repair bill covered, you need to file a claim with the insurer. Bear in mind that you will likely have to meet a deductible first, so if you haven't yet met it, any costs—up to the deductible amount—will be your responsibility. Then the coverage will kick in.

Contact the insurer directly to start the claims process. You can usually do this over the phone or by filling out a form online. Be sure to have proof of the windshield damage, such as photos, videos, and repair estimates.

From there, your insurer will investigate the claim and render a decision. As long as the damage is covered under your policy terms, there is a good chance of approval.

The auto glass professionals at GlassPro Inc. will walk you through the claims process and ensure the highest quality windshield replacement or repair. Serving clients in Indiana and in Cincinnati, OH, they provide comprehensive windshield, commercial glass, and custom mirror services. They urge you to remember that you—not your insurer—have the right to select the glass company of your choice. Call (513) 874-6559 to request an estimate or visit them online for more information.