It might surprise you to learn that damage to vehicle windows and windshields leads to more auto insurance claims than any other car part. If you’ve wisely chosen an auto insurance policy that includes auto glass repair or replacement coverage, you’re in good company. However, when your vehicle needs a windshield or window glass repair, filing a claim isn’t always the best route to take.
Why might filing an auto glass claim not be ideal? Let’s explore this with insights from the experts at Car Repair Online.
How Auto Glass Claims Can Affect Your Insurance Premiums
It’s a common question: does auto glass repair count as a claim? The answer is yes, it generally does. Whenever you file any type of auto insurance claim, including one for auto glass repair or replacement, your insurance provider has the right to adjust your rate upon renewal. While a single claim might not cause a dramatic rate increase, multiple claims within a certain period certainly can. The more claims you file, the higher the risk you appear to be to your insurer, potentially leading to a higher monthly premium.
Even if it’s your first claim, if the auto glass damage was due to an incident where you were at fault, there’s a strong possibility your insurance rate could go up. Insurance companies operate on risk assessment. Just like a poor credit history translates to higher interest rates on loans, a history of claims signals a higher financial risk to your insurance provider, potentially resulting in increased premiums.
When Filing an Auto Glass Claim is a Smart Move
Deciding whether or not to file an auto glass repair claim is ultimately your decision. However, there are specific situations where filing a claim is a sensible choice, and others where paying for the repair out-of-pocket might be more advantageous in the long run. If the repair cost is less than your policy deductible, filing a claim won’t make financial sense because your insurance won’t cover any expenses.
Depending on the specifics of your insurance policy, here are scenarios where filing an auto glass claim is often appropriate:
Minor Chips and Cracks
For minor windshield damage, such as small chips or cracks – often less than the size of a dollar bill – some insurance companies may waive your deductible if you choose repair over full windshield replacement. It’s always best to check directly with your insurance provider to understand their specific policy on this.
Damage Caused by Another Driver
If another driver is at fault for the auto glass damage, their insurance should be responsible for covering your auto glass replacement or repair costs. In these situations, you typically won’t need to file a claim with your own insurance company. Instead, you’ll need to obtain the at-fault driver’s insurance information and file a claim with their insurer.
Policies with Accident Forgiveness
If your insurance policy includes accident forgiveness, and you’ve opted for this coverage, your monthly premium might not increase after filing an auto glass repair claim, even if you were at fault for the damage. However, accident forgiveness policies vary, so it’s essential to confirm the details of your coverage with your insurance provider.
When Paying Out-of-Pocket for Auto Glass Repair Might Be Better
There are also times when paying for auto glass repair out-of-pocket is the more financially sound decision. This is often the case when:
Your Deductible is High
If your comprehensive coverage deductible is high, for example, $500 or $1000, and the cost of the auto glass repair is less than your deductible, you will end up paying the entire repair cost yourself anyway. In this case, filing a claim is unnecessary and could potentially still be recorded as a claim on your insurance history.
The Damage is Minor and Inexpensive to Repair
For very minor damage like a small chip that can be repaired for under $100, it might be more cost-effective to pay for the repair directly. This avoids the possibility of your insurance premiums increasing in the future due to a claim.
Navigating the Auto Glass Claim Process
If you decide to file an auto glass claim, here’s a step-by-step guide to help you through the process:
Review Your Insurance Policy
First, carefully review your auto insurance policy documents or online account to confirm whether your policy covers auto glass repair or replacement. Typically, if you have comprehensive coverage (often required for full coverage policies), auto glass services are included. Understand your deductible amount and coverage limits.
Contact Your Insurance Company
Contact your insurance company to initiate the claim process. You can usually do this by phone, through their website, or via their mobile app. Be prepared to provide details about the incident that caused the damage, including the date, time, and location. If the damage was caused by another driver, having a police report and their insurance information ready will be helpful. It’s also wise to take photos or videos clearly showing the auto glass damage to support your claim.
Obtain Service Estimates
It’s generally a good practice to get estimates from a few different auto glass repair shops. Obtain at least three quotes and provide these to your insurance company. While your insurer may have preferred repair shops, you have the right to choose any reputable auto glass service provider you prefer.
Schedule Your Service
You can schedule your auto glass repair or replacement service either before or after your insurance company formally approves the claim. If you schedule it beforehand, your insurer will reimburse you for the covered amount after reviewing your claim and estimates. Consider both in-shop and mobile auto glass repair options, keeping in mind that mobile service might be weather-dependent.
Need Expert Auto Glass Repair Assistance?
If you’re considering filing an insurance claim for auto glass repair or replacement, let Car Repair Online be your trusted resource. While we don’t directly handle claims, understanding does auto glass repair count as a claim is crucial for making informed decisions. We can connect you with reputable auto glass repair services and provide guidance on navigating the repair process.
For reliable auto glass repair information and to find local service providers, explore our website or contact us today! We are here to help you keep your vehicle safe and sound.
