Your vehicle's windshield can be damaged at any time, whether you're driving down the road or your vehicle is sitting in your driveway. A small chip or crack in the windshield can often be repaired so it is as good as new again. However, there are several factors to consider if you want to know if your auto insurance company will pay for a windshield repair.
The Size and Location of Damage
Usually, a chip or crack on your windshield can be repaired if it is no larger than the size of a quarter. However, the location is important because the damage cannot be in the driver's line of sight nor can it be on the edges of the windshield.
If the chip or crack is along the edges of the windshield, then the seal of the windshield can be compromised and it could end up blowing out when you're driving your car. If the damage is along the edges of the windshield or larger than a quarter, then the windshield will need to be replaced instead of being repaired.
Insurance Coverage for Windshields
Whether your windshield repair will be covered by your auto insurance policy will depend on the type of policy you have and the cost of the repair. Most comprehensive coverage policies will cover windshield repairs if your policy covers your auto glass. However, if you have a high deductible on your policy, then it may not be worth filing a claim.
The cost of repairing a small crack or chip in your windshield can vary between glass companies, but you can expect to pay anywhere from $70 to $200 to have it fixed. If your insurance deductible is $250 or $500, which are common deductibles, then you would pay for the repair out of pocket. Unless you have a policy with no deductible, then you will most likely need to pay for a windshield repair yourself.
If the windshield needs to be replaced, then you may be able to receive reimbursement from your insurance company. Replacing a windshield can cost anywhere from $100 to as high as $1,000, depending on the vehicle and where you buy the glass. If the cost of the new windshield is more than your insurance deductible, then you would only pay up to the amount of the deductible and your insurance company would reimburse you for the remainder of the cost.
Discover more about windshield repair by speaking with a local windshield repair service.