Your next step will be to get your windshield fixed. You may need to go to the car insurance company to get the damage inspected and get the approval for reimbursement. Depending on your auto insurance company, this can be done:Īn insurance company agent will confirm whether or not you're covered for the windshield repair or replacement and explain your options. If your deductible is low enough to warrant filing an auto glass claim, file the claim with your auto insurance company as soon as possible. Essentially, having more claims on your record increases your perceived risk and, in turn, the chances of seeing a hike in your auto insurance renewal rates. The claim will go on your car insurance claim record. The insurance company will contribute only $30.Ĭonsider whether saving $30 is worth filing the claim.
#Does aaa auto insurance cover windshield replacement cracked
Your windshield gets cracked by a flying rock and: You may want to think twice about filing a claim if the cost of your repair is only a small amount greater than the amount of your deductible. However, this will vary by car insurance company. In most cases, a claim for glass damage that does not result from a collision does not cause an increase in your car insurance rates. Most likely, your coverage will cost more however, you’ll save on your deductible. However, do note that some car insurance companies and some policies will allow for glass replacement without requiring payment of a deductible. If your deductible is greater than the cost of the estimated repair, it won't be worth your while to file a claim. Auto glass replacement on some comprehensive coverage plans only covers the side and back windows, but not the windshield.īefore filing a windshield repair claim, compare the cost of the repair/replacement with the size of your comprehensive deductible. However, understand that this coverage is optional and if you don’t have it, you may be on your own when it comes time to pay for repairs.Ĭomprehensive coverage typically pays for damages occurring from:Ĭheck to see whether your car insurance company includes windshield repair and replacement in your comprehensive coverage.Įven if you read the words "auto glass repair," inquire if it is all-inclusive. If your windshield (or other glass, e.g., side windows, rear window, or sunroof) is damaged by something other than a collision, you’ll likely pay for it using comprehensive coverage. This page will review ways to pay for auto glass replacement and repair using car insurance. Pebbles, vandalism, falling branches, animals, and even sand and gravel can damage your windshield. Chipped, cracked, and broken windshields are among the most common car repairs.