Auto Glass Repair Through Insurance: What You Need to Know

If you need to get your car’s windshield replaced or fixed, you may be wondering if you can use insurance to cover the cost. The answer is yes, but it depends on what type of coverage and deductible you have. In some cases, you may even be able to get the entire cost of the repair or replacement covered. Here’s what you need to know about using insurance to cover auto glass repair.

Types of Coverage

When you’re trying to get auto glass repair covered through insurance, the first thing you need to do is check your policy. Some policies will include comprehensive coverage, which covers damage to your car caused by things other than a collision, like hail, falling branches, and vandalism. If you have comprehensive coverage, you may be able to get the cost of a windshield repair or replacement covered. Not all policies include comprehensive coverage, so if you don’t have it, you’ll have to pay out of pocket.

Comprehensive Deductibles

If you have comprehensive coverage, you’ll also need to consider your deductible. Your deductible is the amount of money you have to pay before the insurance company will cover the rest of the cost. For example, if you have a $500 deductible, you’ll have to pay the first $500 of the cost and the insurance will cover the rest. Depending on the cost of the repair or replacement, it may or may not be worth it for you to use your insurance. In some cases, it may be cheaper to just pay out of pocket.

Using a Glass Repair Shop Through Insurance

Another thing to consider is the type of glass repair shop you use. To get your repair or replacement covered through insurance, you’ll need to use a shop that’s approved by your insurance provider. Most insurance companies have lists of approved shops that you can use. If you use a shop that’s not approved, the insurance company won’t cover the cost, so it’s important to make sure you use an approved shop.

Getting the Right Parts

Another thing to keep in mind is that insurance companies may require you to use OEM parts. OEM stands for original equipment manufacturer, and it means that you have to use parts made by the same manufacturer as the car. This is important because other parts may not fit correctly or they may be of lower quality. Your insurance company will be able to tell you if they require you to use OEM parts.

Using Insurance for Auto Glass Repair

If your car’s windshield needs to be repaired or replaced, you may be able to use insurance to cover the cost. It’s important to check your policy to see if you have comprehensive coverage, and if you do, you’ll need to consider your deductible. You’ll also need to use an approved glass repair shop, and in some cases you may be required to use OEM parts. By understanding what your insurance covers, you can make sure you get the auto glass repair you need without breaking the bank.