Data collected by the National Highway Traffic Safety Administration (NHTSA) shows a staggering number of 45,000 accidents in the US caused annually due to poor vehicle maintenance. Structural or mechanical damage to any part of the vehicle is a reason for concern for any car owner or driver. Windshield damage is no different.
Cracked or chipped windshields require immediate repair. Getting them fixed right away by a windshield repair expert should be your top priority to prevent risks of accidents. Not to mention, small cracks and chips can cause the windshield to shatter completely even upon small impact, furthering the damage.
If you have damaged your windshield somehow, here’s what you need to know about filing the insurance claim.
What Does Your Insurance Cover?
Comprehensive coverage may apply to windshield damage from a covered cause, subject to your policy’s terms. If your policy has separate glass coverage, ask about its terms, deductible and exclusions. Review your policy and ask your insurer or agent whether this damage is covered, what you would pay and what claim requirements apply.
What is the Deductible Amount?
The deductible is set by your policy. Ask your insurer to confirm the amount and any glass-specific terms.
Compare the written service estimate with the deductible and other costs your insurer confirms. Ask how the claim would be handled before choosing insurance billing or self-payment.
Which Auto Glass Repair Service is Insurance Compliant?
Before booking a repair, contact your insurer to confirm your coverage, any deductible, claim requirements, and billing arrangements with your chosen auto glass provider.
Getting the Right Treatment
Talk to your repair experts about the list of options against the damage and discuss the pros and cons for all options. A windshield repair should be carefully handled and getting the best treatment should be the priority.
Some insurance policies require auto glass services to use original equipment manufacturer (OEM) parts in case of replacement. Since OEM parts come directly from car manufacturers rather than third-party companies, they’re likely to be more compatible and expensive.
Make sure your repair expert isn’t using a knock-off, cheaper glass to replace the windshield. If you’re in San Antonio, Auto Glass in San Antonio offers reliable auto glass and windshield repair services in the area. See our warranty information for coverage, limitations, and exclusions.
Check out our auto glass repair services and give us a call at (210)793-7115 if you have any questions.
You can also get a free quote for our services!
