Windshield Replacement Insurance

Posted in Auto Insurance

December 31st, 2009

The most popular type of insurance claims in the nation are for broken car windshields. Debris kicked up by other motorists is a common factor contributing to the damage. Once damage to a windshield occurs, it is illegal to operate a vehicle with that kind of damage for a number of reasons, including reduced visibility. The smallest chip can slowly develop into a large spider-web pattern extending throughout the entire pane of glass. The results are hazardous driving conditions. To ensure your safety, a professional can handle the repair or replacement quickly and easily.

Not Worth the Insurance Claim

Even though making insurance claims regarding windshields is popular, it may not be a wise move. If your comprehensive auto insurance does cover the expense of glass replacement either as part of the policy or as an additional rider, tapping into the resource solely for your window may not be cost effective as filing a claim will guarantee a spike in your insurance premium. If a deductible needs to be met, the out of pocket expenses recouped by the claim will be minimal. Only if your damaged windshield is part of a larger problem (I.E. head on collision repair) should you even consider notifying your insurance provider.

Windshield Repair Costs

Luckily for the average car owner, the cost of a windshield glass replacement is relatively low and ranges from about $150 to just over $300. Windshield repairs (filling a chip or crack) can be extremely affordable and generally under the $90 mark. Luxury vehicles provide the exception to this rule, as some replacement windshields can cost more than $500.

As with all types of insurance, the laws regarding coverage are managed by the state. Although many require that insurance companies do not demand a deductible for windshield replacement (because of the legality of driving around with a broken one), you need to review your car insurance policy to determine what type of protection you have. Paying for the repair or replacement from your emergency savings is probably a better strategy as it won’t affect your auto insurance premiums.