How Does an Auto Glass Insurance Claim Work

By: MikeFox


If you are a car or truck owner and you need to get auto glass replacement, there are probably a few important questions going through your head. I almost certainly assume that you are thinking this is an intimidating task to handle. I am so sure because it is common. Cars with cracked windshield driven for number of months, even days, in the same condition without windshield repair are something you should stay away from. Nevertheless, let’s focus on how to deal with this situation, especially with regards to your insurance claims.

Random mishaps and misfortunes do damage vehicles’ auto glass in the form of cracks, holes, chips. The most important thing to do is to check the specifications of your auto glass insurance claim. If it is liability insurance then it would provide coverage for damages only to another vehicle – auto glass services are not covered under the liability policy. Check the insurance policy thoroughly for what it covers and if your auto glass replacement is paid off. You should mainly check to see if the insurance coverage is complete or partial. Moreover you can also check if the insurance allows you to opt for auto glass repair or replacement.

Now comes the deductible. It varies from policy to policy and from state to state in the US. The deductible is the amount you have to pay before your insurance starts. Some pay a higher deductible so that their premium is lowered; eventually it puts a lot of strain on the wallet in the insurance claim. It basically boils down to that if you’ve paid for a higher deductible, then insurance will most likely not help pay for the auto glass replacement. So considering the amount of the overall deductible (and not the collision deductible) should be your priority when reviewing your insurance policy.

Please note that if you happen to live in Florida, Kentucky, Massachusetts, South Carolina or Arizona, you live in what's called a "Zero Deductible State." That means that your insurance company is required by law to allow you to purchase a windshield replacement using insurance with no deductible-as long as you have comprehensive insurance coverage on your vehicle.

Secondly, at the onset of the claim, first check out the estimates of the replacement so that you will know the approximate cost of repair. Subsequently, you can always tally with deductible or premium figures and decide if it is worth claiming the insurance. You should also check if the insurance company is charging the amount of the entire replacement of the windshield against what is just required was to fix a broken chip to repair the windshield. This will also significantly affect the expenditure. Your insurance agent can always help you with this information.

After assessing all of this, and if you decide to file an auto glass insurance claim, then contact your insurance agent to make sure the fundamentals of your insurance policy are comprehensible. You can also inquire with the agent about which auto glass replacement centers you can avail the benefits of the insurance from.

Almost all these affiliated windshield and auto glass replacement shops will have a certain set of paperwork mainly concerning] the details of the damage, damages covered and not covered, etc., which will then be completed before initiating the replacement/repair process.

Finally after successful completion of this mechanical auto glass replacement process, you will be on the road, with repaired or brand new auto glass.

If you make a decision to file a claim it is best to file when attainable. When the claim is filed it is then advised to check with your Insurance agent, who can educate you on your policy and deductible and will provide you with a network of automobile glass businesses that can be utilized beneath your auto Insurance coverage policy.

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Mike Fox works for OC Glasscraft, a leading Orange County auto windshield replacement and windshield repair company. We also offer services like processing the auto glass insurance claim for our customers. All repair work done to your car is regulated by Federal Motor Vehicle Safety Standards (FMVSS) to ensure that all parts and their installation meet the performance requirements that contribute to your safety. Visit us: www.ocglasscraft.com/

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