Will My Insurance Cover a Windshield Replacement? Here’s How to Find Out

With so much damage done to windshield glass in the United States each year, it’s important to know the specifics of when windshield replacement is required. In the event of a collision or other damage to your windshield, here are the basics of Utah windshield replacement.

About Your Windshield

Along with seatbelts, the windshield is one of the most important safety features of a car and a crack or fissure in it should be dealt with immediately. As the typical cost for repairing a windshield to replacing it runs from about $40.00 to $300.00, this means that the insured party’s deductible will make up the cost of the windshield and the motorist may end up paying the total cost. As dealing with minor windshield repairs right off the bat is a safer and less expensive option than replacement, it’s a good idea to have any issues dealt with as soon as they occur.

Is a Windshield Replacement Necessary?

While it’s important to know if your insurance will even cover windshield replacement or repair, you’ll want to figure out beforehand what kind of repair is even required so that you can determine exactly what needs to be covered. It may seem sufficient to fix minor chips and cracks when they appear, but it’s imperative to check with a professional before making these repairs as only they will be able to determine if a repair or a complete replacement is the best route to take.

What Policies Cover Windshield Repair?

In the event of cracks or damages that require replacement, you’ll need to have a comprehensive insurance package so windshield repairs are covered. If you only have a more limited collision insurance policy, it may not actually cover the cost of certain damages to your vehicle, which could include cracked or broken glass. As every state has different insurance policy standards that they go by, looking at these will give you a good idea of what is and isn’t covered by your policy.

Will Your Insurance Rates Go Up?

As soon as damage is caused to your vehicle, every driver’s automatic worry is that it may not be covered by insurance. When it comes to windshield damage that is a result of hail, rocks or other items hitting the windshield, you shouldn’t see an increase in your insurance rate. However, if the damage is caused by a collision, you will likely see your rates increase as a direct result. If your rates do happen to go up in the event of non-collision damage, you’ll want to contact your insurance company as soon as possible, as this should not generally occur.

Whether or not your windshield repair or replacement is covered is dependent upon your insurance policy and the type of damage incurred. As a complete replacement of your windshield can often cost the entire amount of your deductible, it’s important to keep an eye on any cracks that need to be repaired before they become a bigger, more costly problem.

Share Your Thoughts!

Contact Information

Do you have any questions or comments for us about getting your windshield replaced? Let us know!.

195 S Orem Blvd #2C

Orem, UT 84058

Service Areas

We serve all of Utah and Utah County, especially the following areas:

  • American Fork
  • Bountiful
  • Brigham City
  • Draper
  • Holladay
  • Logan
  • Orem
  • Salt Lake City
  • Sandy
  • Ogden
  • St. George
  • Tooele
Copyright ©2011. All Rights Reserved.