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Insurance Can Help Pay for Auto Glass Replacement

It doesn't seem fair.

A bit of gravel thrown up by another vehicle on the freeway chips your windshield. Next day there's a cold snap and overnight the chip becomes a crack that spans your entire windshield—and now you need a $250 windshield replacement.

You may not realize that if you have comprehensive auto insurance, there's a component of your policy that can help you pay for a new windshield. In some states, it can even pay for it completely.

What's Your Comprehensive Insurance Deductible?
Your comprehensive auto insurance has what's called a "deductible"—the amount you have to pay before insurance kicks in. To lower your premiums, you can bump your deductible up to $1000. In general terms, that means that if make an insurance claim on your damaged vehicle, and the repairs are $1500, you pay $1000 and your insurance pays $500. Obviously, if your comprehensive deductible is $1000, it won't pay for a windshield replacement. But if your deductible is lower, such as $100, it could certainly help.

So if you need a new windshield and it's going to cost you $350, if your comprehensive deductible is $100, it will only cost you $100 if you go through insurance. Of course, if your deductible is $500, insurance can't help you pay for a $350 windshield. If you don't remember what your comprehensive deductible is, take a look at your policy. Make sure you're looking at the comprehensive deductible rather than the collision deductible—they're two different things.

Windshield Replacement—A No-Fault Claim
Many people don't want to make an insurance claim for auto glass replacement, as they're afraid their rates will go up. A cracked windshield, however, is usually not your fault. It's what the insurance companies call a "no-fault" claim, and as such won't raise your premiums. It does depend on how your car window was damaged and which insurance company and kind of policy you have.

Ask your auto glass company about insurance. In many cases we can Process your claims for you, Usually, all you have to do is let your CSR know your insurance company and policy number, and they'll talk to your insurance company for you. Some insurance companies want to hear from you directly and in those cases we will give you a claims phone number or call them for you with you on the other line.

Zero Deductible States—FL, KY, MA, SC
If you live in Florida, Kentucky, Massachusetts, or South Carolina, you live in what's called a "Zero Deductible State." That means that your insurance company is required by law to allow you to purchase a windshield replacement using insurance with no deductible—as long as you have comprehensive insurance on your vehicle. If you live in one of these states, and have comprehensive insurance, it makes sense to use your insurance to pay for your auto glass replacement. Florida and Massachusetts only fully cover windshields, but Kentucky and South Carolina cover all glass replacement. If you are visiting Michigan and your insurance was written in one of these states, the same law applies to your claim and you will pay no deductible.

Your Auto Glass CSR Talks to Your Insurance Company, So You Don't Have To
Here's how it works. You let your CSR know what insurance company you use and what your policy number is, and they contact them to arrange payment. You may have to get on the phone for a brief moment to confirm with your insurance company that you're using Kalamazoo Glass (this is something insurance companies often require). Then the CSR takes care of everything—billing, paperwork, the whole enchilada. You can even bill your credit card for the amount of your deductible. Please note that some insurance companies, such as GEICO, require the customer to speak with the claims department directly, and then the insurance company will contact the glass shop. Always remember that Michigan Law gives you, the customer a choice of where you would like to have your service performed and the Insurance company by law cannot tell you where you have to go. Just simply tell them that you are using Kalamazoo Glass & Windshield and they will send us your claim info. Please read the FAQ page for more info