Windshield Damage: To File a Claim, or Not to File a Claim, that is the Question. 🧐
If you’ve recently sustained windshield damage, you may be wondering whether or not it’s worth filing an insurance claim. While the decision to file an auto insurance claim will ultimately depend on your specific circumstances and the details of your auto insurance policy, there are a few key things to consider that can help you make an informed decision.
How damaged is your windshield?
It’s important to determine whether or not the damage to your windshield is significant enough to warrant an auto insurance claim. In some cases, small chips or cracks in the windshield can be repaired without the need for a full windshield replacement, and the cost of the repair may be less than your deductible. In these cases, it may not make sense to file a claim.
On the other hand, if your windshield damage is significant and would require a full replacement, it may be worth considering filing a claim. Keep in mind that you’ll need to pay your deductible when you file a claim, so you’ll want to consider whether the cost of the deductible plus the windshield repair or windshield replacement is more or less than what you’d pay out of pocket. If you need help figuring this out, don’t worry! Auto Glass 2020 has an incredible customer service team who can help run the numbers so you have all the necessary information before making your decision.
What kind of insurance coverage do you have?
It’s also worth considering what type of car insurance you have and whether or not it includes comprehensive coverage as part of your auto insurance policy. Comprehensive coverage, also known as “other than collision” coverage, can help cover damages to your vehicle that are not the result of a collision, such as damages from flying debris or objects. If you have comprehensive coverage and your windshield damage was the result of a covered event, your insurance policy may help pay for the cost of the windshield repair or windshield replacement.
To put it simply, your decision on whether or not to file an auto insurance claim for windshield damage depends on:
- The extent of windshield damage
- The cost of the windshield repair or windshield replacement
- Whether or not you have comprehensive coverage
By carefully weighing these factors, you can make an informed decision about whether or not it makes sense to file a claim.
Chipped or Cracked Windshield?
If you’re driving around right now with a chipped or cracked windshield and have been putting windshield repair or replacement off because you’re not sure where to go from here, Auto Glass 2020 can help! We’d love to help you figure out your insurance policy and how to file a claim to make sure you don’t pay a penny more than you should! It just starts with a simple call to Auto Glass 2020 at (480) 283-7751 or get a quote here.