Auto Glass Repair & Replacement Insurance Cost
In Texas, damage to your windshield and windows will likely be covered by your insurance as long as you have a comprehensive plan. This kind of insurance protects your car from damage not caused by another vehicle. Examples of this kind of damage include vandalism, pebbles and small rocks hitting your car, damage caused by a natural disaster, and more. If you are thinking about filing a broken auto glass insurance claim, you will have to check with your insurance company and consider the potential rewards and drawbacks.
Comparing Your Deductible and Your Repair Costs
When deciding whether you want to file an auto glass claim, you need to compare your deductible and repair costs. If your deductible is high, and is greater than your repair cost, it does not make sense to file a claim. However, if you have a low deductible (let’s say around $200 for example) it may be worth it to file a claim depending on your repair needs. But be warned that filing a claim could potentially cause your insurance rate to go up. You will need to contact us for a professional cost estimate and speak with your insurance company before you can make an informed decision.
How to File an Auto Glass Insurance Claim
Filing an auto glass insurance claim is a relatively easy and straightforward process. Depending on your company, you can either speak with an agent over the phone or file an online claim. If your vehicle was damaged as a result of vandalism, keep a copy of the police report to share with your insurance company. After successfully filing the claim, some insurers may restrict which companies you get your windshield and windows replaced with. So make sure to contact your insurance agent to get more details.
What if Your Insurance Does Not Cover Auto Glass Claims?
Most comprehensive auto insurance policies will cover repairs to your windshield and windows. But if you do not have comprehensive insurance, it will not cover these repairs. If this is the case, you will have to pay for all costs out of pocket. Make sure to check with your insurance provider to see if auto glass claims are accepted.
Is it Possible to File a Claim Against Somebody Else’s Insurance?
Even if you do not have insurance that covers auto glass repairs, you can still file a claim under a couple circumstances. First, if somebody else crashes into your car and damages your windshield or windows, you are able to file a claim against their insurance. You can also file a claim against somebody’s homeowner’s or renter’s insurance if they break your auto glass while not operating a vehicle. Both of these are cases in which the damage is somebody else’s fault. You can’t file an auto glass claim against another person’s insurance unless they were responsible.
We meet quality standards put forth by insurance companies. Call us to schedule a certified mobile glass technician to come out to your home, office, or any location in the areas we service. Check your auto insurance policy first to see if you have Comprehensive Physical Coverage Damage or Road Hazard Insurance. If you are unsure, contact your automobile insurance agent to find out. Some restrictions apply.
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