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How Insurance Covers Different Types of Auto Glass Damage

Auto glass damage may seem like a simple problem that any insurance plan would cover, but the truth is more complex. This article cuts through the confusion to explain which types of auto glass damage are typically covered by insurance and what this means for you, the car owner.

A small chip on your windshield from a stray stone or a wholly shattered side window can be frustrating, but knowing your insurance policy details is critical. The level of coverage can differ significantly, depending on the cause of the damage and your specific insurance plan. By understanding your policy, you could avoid unnecessary stress and save money.

When it comes to auto glass damage, knowing the ins and outs of your insurance policy is essential. This knowledge can differentiate between a quick fix and an out-of-pocket expense. Not all insurance policies are the same, and coverage for glass damage can vary. For example, some policies may cover a crack in your windshield but not if the damage is due to vandalism.

Being informed about your coverage will help you make intelligent decisions. If you have comprehensive coverage, it's more likely that you'll be protected against various kinds of glass damage. However, you'll pay for repairs if you only have liability coverage. Always check your policy or talk to your insurance agent to understand what's included. Comprehensive coverage usually takes care of glass damage, but the specifics can differ from one insurer to another.

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Understanding Your Coverage

If you want to understand your car insurance, knowing how it handles glass damage is essential. We aim to help you feel confident when assisting your customers.

Always verify what the insurance policy covers by reviewing the declarations page. You'll find out if glass damage is included in the comprehensive part of the policy, which usually protects against non-collision events like vandalism, weather, or stray objects on the road.

Knowing your deductible is vital, too. This is the amount you pay out of pocket for repairs before your insurance pays the rest. Some policies mightn't charge this deductible for minor glass repairs, saving money and preventing more significant issues.

Be aware of the details in your policy. Some may cover only generic glass parts, while others cover factory-original glass. This knowledge helps you make the best choices, ensuring you have the right coverage.

When reviewing your auto insurance, remember :

  • Check if your policy includes glass damage.
  • Understand your deductible and when it applies.
  • Know the type of glass covered by your insurance.

Chip and Crack Repairs

Getting a crack or chip in your car's windshield can be more than just annoying—it can be dangerous. Quickly assessing the damage is critical. Is it a small nick or a big crack? Minor problems can often be fixed with a special resin, a quick and affordable fix that most comprehensive insurance plans cover without a deductible because it's cheaper and safer than letting it get worse.

But not all windshield damage is the same. If the damage is more significant than your wallet or right where you need to look to drive, it's not just a minor problem anymore. You might need a new windshield for safety, and that's when your insurance might ask for a deductible.

We aim to give clear advice on these details so you know what to do and can guide others. Taking care of glass damage fast can save money and keep you safe on the road.

Difference Between OEM and Aftermarket Auto Glass

When you need a new windshield, you have two options: OEM or aftermarket auto glass. OEM stands for original equipment manufacturer, which means the glass is made by the same company that made the original windshield for your car. Aftermarket glass is made by a different company, usually at a lower cost. But cheaper doesn’t always mean better. There are pros and cons when choosing between OEM and aftermarket glass.

Full Windshield Replacement

If your car's windshield is badly damaged, you might need to replace the whole thing to keep a clear view and stay safe while driving. A strong windshield is more than just protection against small rocks or stormy weather, it's a vital part of your car's structure, and if damaged, it can put you and others in danger.

Choosing to replace your windshield means more than just getting new glass. You’re also making sure that you can drive without worrying. The windshield must be fitted correctly, following the car maker’s guidelines, so it does its job if there’s an accident, like helping airbags work correctly. To ensure this, consult an auto glass expert who can install, repair, or replace your windshield with the best quality and safety standards.

Your insurance might cover replacing the windshield if you have a comprehensive plan. But you'll need to check your policy to see what's included and if you'll have to pay anything extra. Ensure the company doing the work is trustworthy and uses materials that are as good as or better than the ones the car originally came with. That way, you can feel confident that your vehicle is safe for everyone inside. Additionally, maintaining car glass is important.

Side and Rear Glass Claims

Filing an insurance claim for side or rear glass damage is as easy as the windshield. Remember that tint laws differ in each state, and your insurance will only pay for legal tints. If your car's tint was legal, the new glass will be too.

Safety features like emergency exits in SUVs and vans must stay intact with any new glass. Your insurance should cover these safety requirements.

Check your insurance policy to ensure it includes side and rear glass, not just the windshield. Knowing this ensures quick, safe fixes that meet legal standards.

How Insurance Covers Different Types Of Auto Glass Damage.

Policy Limitations and Exclusions

When protecting your vehicle, knowing the ins and outs of your glass coverage is critical. However, every policy has certain limits and things it doesn't cover, which can influence your ability to make a claim. Not all insurance plans are the same, and some don't cover everything.

For example, there could be a maximum amount that your insurance will pay for fixing or replacing glass, if the cost goes over that, you'll have to pay the difference.

Specific exclusions are also essential to look out for. Often, insurance won't cover glass damage if it's because you didn't take care of it or did it on purpose. If a small chip in your windshield gets worse because you ignored it, your insurance could say that's your fault and refuse to pay. Also, if you hit an animal or damage from a storm, you mightn't be covered unless you have comprehensive insurance.

Frequently Asked Questions

Submitting a claim for auto glass damage might seem like a quick fix, but did you know it could affect your insurance premiums down the road? **Insurance companies** often raise rates if they notice you're making claims often. They see this as a sign that you're more likely to need repairs or replacements in the future, which means you're a higher risk for them.

Vandalism or theft can strike at any time, compromising the safety of your vehicle's glass. In response to such concerns, our auto glass coverage explicitly includes protection against these incidents. Doing so provides a clear benefit to our policyholders, ensuring that unexpected damage doesn't leave you stranded with a repair bill.

If your car's glass was damaged and it wasn't your fault, here's how to get things sorted. First, we need accident reports to show it was the other driver's fault. This matters because it affects how we claim our insurance for the damage. We'll make sure our insurance policy covers this kind of damage, then we'll start the claim process.

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Contact Information

Arcadia Auto Glass



1011 W Duarte Rd #6 Arcadia, CA 91007

Working Hours

Mon to Sat 7 am–9:30 pm, Sunday 7 am to 9 pm


(626) 594-4896

Request a Quote