Your car’s windshield endures constant wear and tear from everyday driving. Flying debris, hailstorms, and even temperature changes can cause chips and cracks that require immediate attention. At Blevins Insurance Agency in Lafayette, IN, we help drivers understand their auto glass coverage options, so they’re prepared when repairs become necessary.
Understanding Your Glass Coverage Options
Most comprehensive auto insurance policies include coverage for windshield and glass repair, but the specifics can vary significantly among insurers. Some policies cover repairs with no deductible, while others require you to pay your full comprehensive deductible even for minor chip repairs. The key difference lies in whether your policy treats glass repairs separately from other comprehensive claims or combines them under standard coverage terms.
When to File a Claim vs. Pay Out of Pocket
Small chips, smaller than the size of a quarter, can often be repaired for under $100, making it worth considering whether to file a claim at all. However, full windshield replacements typically cost $300 to $500 or more, depending on your vehicle. If your deductible is $500 and the repair costs $400, you’ll pay the entire bill yourself. Always get a repair estimate first and compare it to your deductible amount before deciding.
The Importance of Prompt Repairs
Delaying glass repairs can lead to bigger problems. Temperature changes and vibrations can cause small chips to spread into large cracks that require full windshield replacement. Many insurers cover chip repairs at 100% but require deductibles for replacements, so acting quickly can save you money and prevent further damage.
Stay Prepared for Windshield Repairs
Don’t let windshield damage catch you off guard. Contact Blevins Insurance Agency in Lafayette, IN, today to review your current glass coverage and ensure you have the protection you need on the road.
