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.
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.
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
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.
Auto insurance, go Colligan!
I had this happen, it’s a pain
I hate those stones
These claims can be annoying but you need to take care of things.
Thanks for letting me know the difference on this insurance for my Charger
Those rocks are annoying!
Good info to know!
Good explanation, I did not know about full insurance for glass
Be sure to get an chip taken care of quickly.
I had one of these claims a few years back and it’s pretty easy to fix
Those trucks with rocks need to be fined! So irritating!
Good info and I recommend using safelite glass.
I’ve had a number of glass claims and usually don’t turn them in because I don’t want it on my record.
Don’t laugh but it was really THAT easy to claim it~
I’d rather not turn in a claim into my auto insurance but I understand you would if cash is tight.
Good info and I will need in the future most likely.
These claims are small, I would just fix it yourself
I’ve wondered how glass claims work before
I had to replace my glass before, it’s not too big a pain but Safelite is good to use.
Rock chips are so annoying, hate to get insurance involved.
I had a piece of dirt fall off a truck once, then it bounced, and totaled my entire windshield.
Glass chips are annoying!
Helpful… thanks for the info on these stupid deals
I’ve had a couple of these over the years
Some glass claims can get expensive if there are heads up displays involved!
You can use Safelite and they are easy to work with
People need to take care of their vehicles and that means their windshields too
Glass chips are annoying but you got to get them fixed before it turns bad!
I hit a bird once, cracked my windshield. It was a large crow that was feeding on a dead animal
I had a windshield break because of the cold once. Wonder if that was covered?
Some cars like my Subaru windshield have a TON of tech in them too
Thank you for sending me this link, it’s very helpful
So many of these are worthless claims, maybe shouldn’t be covered because they are so small
I wonder if different car insurance does it differently
Thanks for the info, I needed it
Pesky rock claims
Rocks do this all the time
Windshield claims are a pain
small claims aren’t good to claim on your insurance, but stays on your history
I had a peddle pop up and his my windshield, annoying!
I wonder how many cracks people have just fixed themselves
Hit a owl in the windshield once. Actually no cracks
Ugh another thing to watch
Cold shattered my windshield once
Good info, go with Safelite. It’s easy
Those pesky rock chips messed up my insurance
I wouldn’t do it
Silly little claims
Rock chips boooooo
Simple and concise…nice!
Good info, you guys are good at what you do. There needs to be more agencies like you.
Good post, thanks
Good advice on this problem
I had an owl break my windshield before!
Thanks for the blog, it’s helpful
I had this happen to me recently, good advice
Rocks are annoying
I did this and it worked out with safelite really easy!
I don’t think I’d submit a claim for a quick glass fix
I wonder why more agencies don’t do this like you do.
Easy fix. Satelite
Good article, good agency
Colligan Insurance seems to be the way to go
Progressive did not pay my glass claim, annoying
I think cold can make some glass claims too…
There are tons of local glass shops too
Good articles guys
Hello. This post was really interesting, particularly since I was looking for thoughts on this matter last Monday. Leland Derward Selene
Rock chips are annoying
A gravel truck killed my windshield, ugh
Thanks, good info
Auto insurance is kinda annoying sometimes
Stupid rock truck
Front glass claim is a pain to get it fixed but just more not fun, anyways glass insurance covered it
I really like your insurance agency
Annoying little claims…
I wonder what’s on my glass, it’s annoying
rock chips happen guess thats why I have insurance
It’s good what to do here on these auto glass claims
I’ve been looking for an agent to help me, I’ll give you a call
Rock chip, easy fix, don’t use your insurance though
Windshields can have high tech problems too!
Pesky issues like this come up once in a while, I still wouldn’t recommend making an insurance claim
Egh, I let me get too big and now I have a deductible
Don’t let your glass spider out on you, it may involve having a deductible then!
Rocks on roads are annoying
good insurance info, i think it’s call full glass coverage that you want
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!
hello!,I like your writing very much! Do you mind if I share it? Looking forward to hearing from you.
Pesky rocks, I wouldn’t turn it in though
Gravel trucks should have better systems in place! Or bigger fines! Annoying!
Interesting, I’ll need to call you on this
Windshield claims are annoying but there are easy companies like Safelite that can help
I got a windshield crack from freezing temps once!
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.