audi windshield picture

It’s time to talk about auto glass claims.  Many of us have heard it.  That *crack* sound is unmistakable.

Have you ever been driving down that road and you hear that rock hit your windshield?  If you didn’t see it, you most likely heard it.

Maybe it was a pesky gravel truck (good luck pegging liability on the business).  Or maybe it was a single rock that flipped up off the road from the car in front of you.  Is this a covered peril on your auto insurance?  The answer depends on the insurance policy that you selected.

Auto insurance companies provide coverage for certain types of damage.  All windshield repair or replacement jobs are assessed on a case by case basis.  It is important to work with a competent auto glass repair technician.  And it is important that you know what windshield coverage options are available to you.  There are two types of windshield claims – repair and replacement.

Repair

If it is a small windshield chip most likely you can get it repaired from a company like Safelite.  Most carriers have contracted glass repair shops that can handle the claim quickly and easily.  Talk to your agent about a local shop that also has mobile glass units that will come to you.  Better yet, most carriers will cover it without a deductible because they don’t want it to turn into a larger replacement claim.

Even if you do not want to turn it into insurance or don’t carry comprehensive coverage on your vehicle it is a fairly inexpensive repair bill typically running $75-$100.  Get your windshield fixed as soon as possible.  We have seen “I’ll take care of it next week” turn into three months later and now you have a much bigger problem.

Replacement

If it is more than a chip and you need to replace your entire windshield you still have options.  You may be covered if you carry comprehensive coverage on your vehicle in two ways:

  • Replacement is covered and you are subject to your comprehensive deductible
  • Replacement is covered and you have no deductible – this feature is often referred to as “full glass coverage.”  This means if you need to replace the windshield you do not have to pay the deductible.  This is especially a nice feature for those of us that carry higher deductibles in order to save on our insurance premiums.

Windshield replacement may not sound like a big deal but consider the increased costs of better technology – including better displays, sensors, and cameras integrated into your front windshield.  If your windshield needs re-calibrated after replacement your glass technician will also require special tools and labor costs.  There was a time when windshields cost $300 – $500, but as vehicles become more advanced costs to replace and re-calibrate your windshield can now approach $2,000.

We expect these costs to continue to rise.  Why?  We continue to see labor and material costs increase and trends in the auto industry show standard equipment features continue to become more technologically complex.

Be intentional with your personal insurance and cover what has enough value to you.  Talk with your trusted insurance adviser to best understand your options.

Jeremy Hyde | Colligan & Company

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About the Author: Jeremy Hyde

Christian, MK/PK, Brother, Husband of a magnificent wife, Father of three sons and two daughters, Insurance dork, Sports and Racing fan, Competitor, Coach, Early riser, Grill-man, Yearner of sand dunes and Lake Michigan, Owner of a Yorkie named Gerald, Wannabe basketball player, Reluctant handyman, Car enthusiast, Admirer of passion and excellence and design...

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99 Comments

  1. Henry S June 10, 2020 at 3:35 am - Reply

    Its like you read my mind! You seem to know a lot about insurance, like you wrote the book in it or something. I think that you can do more pics to drive the message home a little bit, but instead of that, this is excellent blog. A great read. I will definitely be back.

  2. Nick June 15, 2020 at 2:38 pm - Reply

    Auto insurance, go Colligan!

  3. Sam N June 15, 2020 at 10:39 pm - Reply

    I had this happen, it’s a pain

  4. Ben C June 16, 2020 at 4:05 am - Reply

    I hate those stones

  5. Andy June 19, 2020 at 5:58 pm - Reply

    These claims can be annoying but you need to take care of things.

  6. Allie June 25, 2020 at 4:11 am - Reply

    Thanks for letting me know the difference on this insurance for my Charger

  7. Chris H July 5, 2020 at 2:32 pm - Reply

    Those rocks are annoying!

  8. Nicolas Slomie July 6, 2020 at 5:55 am - Reply

    Good info to know!

  9. Natalie W July 15, 2020 at 10:55 am - Reply

    Good explanation, I did not know about full insurance for glass

  10. Chris July 15, 2020 at 1:28 pm - Reply

    Be sure to get an chip taken care of quickly.

  11. Chris Wonderlund August 11, 2020 at 5:26 am - Reply

    I had one of these claims a few years back and it’s pretty easy to fix

  12. Ender C August 11, 2020 at 7:24 am - Reply

    Those trucks with rocks need to be fined! So irritating!

  13. Anthony Lavarack August 14, 2020 at 6:29 am - Reply

    Good info and I recommend using safelite glass.

  14. Soro Lints August 26, 2020 at 3:36 am - Reply

    I’ve had a number of glass claims and usually don’t turn them in because I don’t want it on my record.

  15. Sarai September 7, 2020 at 1:26 pm - Reply

    Don’t laugh but it was really THAT easy to claim it~

  16. Mauricio Pochettino September 8, 2020 at 5:36 am - Reply

    I’d rather not turn in a claim into my auto insurance but I understand you would if cash is tight.

  17. Craig N October 6, 2020 at 9:13 pm - Reply

    Good info and I will need in the future most likely.

  18. Amber Tage October 7, 2020 at 6:58 pm - Reply

    These claims are small, I would just fix it yourself

  19. Brandy October 7, 2020 at 11:45 pm - Reply

    I’ve wondered how glass claims work before

  20. Susan October 8, 2020 at 2:07 am - Reply

    I had to replace my glass before, it’s not too big a pain but Safelite is good to use.

  21. Kelly November 5, 2020 at 9:45 pm - Reply

    Rock chips are so annoying, hate to get insurance involved.

  22. Sandy November 6, 2020 at 11:53 am - Reply

    I had a piece of dirt fall off a truck once, then it bounced, and totaled my entire windshield.

  23. Kim November 16, 2020 at 2:28 am - Reply

    Glass chips are annoying!

  24. Jenny W November 17, 2020 at 1:20 pm - Reply

    Helpful… thanks for the info on these stupid deals

  25. Phil K November 18, 2020 at 6:50 am - Reply

    I’ve had a couple of these over the years

  26. Devin November 18, 2020 at 10:20 pm - Reply

    Some glass claims can get expensive if there are heads up displays involved!

  27. Sandy November 19, 2020 at 10:55 pm - Reply

    Pesky rocks!

  28. Farin G November 20, 2020 at 8:58 am - Reply

    You can use Safelite and they are easy to work with

  29. Larry November 21, 2020 at 3:01 am - Reply

    People need to take care of their vehicles and that means their windshields too

  30. Kevin November 21, 2020 at 3:51 am - Reply

    Glass chips are annoying but you got to get them fixed before it turns bad!

  31. Tank November 25, 2020 at 11:05 am - Reply

    I hit a bird once, cracked my windshield. It was a large crow that was feeding on a dead animal

  32. Micky C November 26, 2020 at 4:15 am - Reply

    I had a windshield break because of the cold once. Wonder if that was covered?

  33. Dustin F November 26, 2020 at 7:25 pm - Reply

    Some cars like my Subaru windshield have a TON of tech in them too

  34. Phillis November 28, 2020 at 5:07 am - Reply

    Thank you for sending me this link, it’s very helpful

  35. Paul Samsom November 28, 2020 at 6:16 pm - Reply

    So many of these are worthless claims, maybe shouldn’t be covered because they are so small

  36. George November 29, 2020 at 1:09 am - Reply

    I wonder if different car insurance does it differently

  37. Cindy Williams November 29, 2020 at 4:55 am - Reply

    Thanks for the info, I needed it

  38. Will November 29, 2020 at 5:42 am - Reply

    Pesky rock claims

  39. William November 30, 2020 at 4:32 pm - Reply

    Rocks do this all the time

  40. Patty S December 1, 2020 at 7:43 am - Reply

    Windshield claims are a pain

  41. Dustin Sanderson December 1, 2020 at 11:07 pm - Reply

    small claims aren’t good to claim on your insurance, but stays on your history

  42. Zoe December 2, 2020 at 8:00 am - Reply

    I had a peddle pop up and his my windshield, annoying!

  43. Willis December 3, 2020 at 12:40 am - Reply

    I wonder how many cracks people have just fixed themselves

  44. Ozzy December 3, 2020 at 12:42 am - Reply

    Hit a owl in the windshield once. Actually no cracks

  45. Sammy W December 10, 2020 at 3:12 am - Reply

    Ugh another thing to watch

  46. Wilfred December 10, 2020 at 7:41 am - Reply

    Cold shattered my windshield once

  47. Joshua December 10, 2020 at 3:29 pm - Reply

    Good info, go with Safelite. It’s easy

  48. Kevin December 10, 2020 at 3:58 pm - Reply

    Those pesky rock chips messed up my insurance

  49. Freddi December 11, 2020 at 2:57 am - Reply

    pesky issues

  50. Daren December 11, 2020 at 4:54 pm - Reply

    I wouldn’t do it

  51. Brian December 11, 2020 at 5:17 pm - Reply

    Pesky

  52. Jay K December 12, 2020 at 6:25 am - Reply

    Silly little claims

  53. Will December 13, 2020 at 8:51 am - Reply

    Rock chips boooooo

  54. Fulvia December 16, 2020 at 1:16 am - Reply

    Simple and concise…nice!

  55. Dan December 16, 2020 at 3:42 pm - Reply

    Good info, you guys are good at what you do. There needs to be more agencies like you.

  56. Pam December 22, 2020 at 11:37 pm - Reply

    Good post, thanks

  57. Tim W January 9, 2021 at 9:34 am - Reply

    Good advice on this problem

  58. Larry Q January 9, 2021 at 10:58 am - Reply

    I had an owl break my windshield before!

  59. Kendal January 9, 2021 at 12:29 pm - Reply

    Thanks for the blog, it’s helpful

  60. Gloria A January 9, 2021 at 6:53 pm - Reply

    I had this happen to me recently, good advice

  61. Gabe January 9, 2021 at 7:48 pm - Reply

    Rocks are annoying

  62. Jill T January 10, 2021 at 12:56 am - Reply

    I did this and it worked out with safelite really easy!

  63. Nate January 10, 2021 at 8:29 am - Reply

    I don’t think I’d submit a claim for a quick glass fix

  64. Freddy January 14, 2021 at 12:01 am - Reply

    I wonder why more agencies don’t do this like you do.

  65. Kennedy S January 14, 2021 at 7:24 am - Reply

    Easy fix. Satelite

  66. Nate January 14, 2021 at 12:06 pm - Reply

    Good article, good agency

  67. Jerry January 14, 2021 at 8:08 pm - Reply

    Colligan Insurance seems to be the way to go

  68. Ed January 19, 2021 at 12:42 am - Reply

    Progressive did not pay my glass claim, annoying

  69. Barry W January 19, 2021 at 4:56 am - Reply

    I think cold can make some glass claims too…

  70. Lexy January 19, 2021 at 6:15 am - Reply

    There are tons of local glass shops too

  71. Karry January 19, 2021 at 7:42 am - Reply

    Good articles guys

  72. Leland January 19, 2021 at 10:11 am - Reply

    Hello. This post was really interesting, particularly since I was looking for thoughts on this matter last Monday. Leland Derward Selene

  73. Nikky January 19, 2021 at 1:04 pm - Reply

    Rock chips are annoying

  74. Bill January 19, 2021 at 1:52 pm - Reply

    A gravel truck killed my windshield, ugh

  75. Jason January 19, 2021 at 8:12 pm - Reply

    Thanks, good info

  76. Angie January 27, 2021 at 11:34 am - Reply

    Auto insurance is kinda annoying sometimes

  77. Anna February 8, 2021 at 6:00 pm - Reply

    Stupid rock truck

  78. Chris H February 9, 2021 at 3:29 am - Reply

    Front glass claim is a pain to get it fixed but just more not fun, anyways glass insurance covered it

  79. Jeremy February 9, 2021 at 5:13 am - Reply

    I really like your insurance agency

  80. Kat February 9, 2021 at 6:04 am - Reply

    Annoying little claims…

  81. Freddie C February 9, 2021 at 9:45 pm - Reply

    I wonder what’s on my glass, it’s annoying

  82. Amy Binkley February 10, 2021 at 4:08 am - Reply

    rock chips happen guess thats why I have insurance

  83. Jerry February 15, 2021 at 1:31 pm - Reply

    It’s good what to do here on these auto glass claims

  84. Kaelin February 16, 2021 at 12:23 pm - Reply

    I’ve been looking for an agent to help me, I’ll give you a call

  85. Henry February 16, 2021 at 11:26 pm - Reply

    Rock chip, easy fix, don’t use your insurance though

  86. Sammy February 17, 2021 at 10:15 pm - Reply

    Windshields can have high tech problems too!

  87. Frank February 28, 2021 at 12:04 am - Reply

    Pesky issues like this come up once in a while, I still wouldn’t recommend making an insurance claim

  88. Nikky March 2, 2021 at 6:44 am - Reply

    Egh, I let me get too big and now I have a deductible

  89. Keith March 2, 2021 at 11:14 am - Reply

    Don’t let your glass spider out on you, it may involve having a deductible then!

  90. Keith March 2, 2021 at 1:15 pm - Reply

    Rocks on roads are annoying

  91. Fi Mi Umb March 4, 2021 at 7:16 am - Reply

    good insurance info, i think it’s call full glass coverage that you want

  92. G Hutt April 7, 2021 at 9:17 am - Reply

    I was looking for this information relating to glass claim. You have really eased my work by posting this article, loved your writing skill as well. Please keep sharing more, would love to read more from you!

  93. Oscar April 24, 2021 at 11:33 am - Reply

    hello!,I like your writing very much! Do you mind if I share it? Looking forward to hearing from you.

  94. Jazie May 23, 2021 at 9:55 pm - Reply

    Pesky rocks, I wouldn’t turn it in though

  95. Gloria May 26, 2021 at 4:53 pm - Reply

    Gravel trucks should have better systems in place! Or bigger fines! Annoying!

  96. Gloria June 2, 2021 at 5:17 pm - Reply

    Interesting, I’ll need to call you on this

  97. Danny June 9, 2021 at 4:34 pm - Reply

    Windshield claims are annoying but there are easy companies like Safelite that can help

  98. Danny June 9, 2021 at 7:48 pm - Reply

    I got a windshield crack from freezing temps once!

  99. Kent Windscreen July 20, 2021 at 7:27 pm - Reply

    It’s good to have that auto glass insurance, to be ready whenever needed as getting a windshield crack is something that we didn’t expect to.

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