Can you or should you use insurance for windshield replacement? These are two distinct questions. If we use “should” in this instance, it implies that doing otherwise would be illogical and unwise. However, just because you can use insurance to replace your windshield, that doesn’t always mean you should.
You should use your insurance to replace your windshield if you reside in Kentucky, Florida, South Carolina, and other states that waive deductibles for windshield replacement. Regular claims don’t affect your rates either, so use it if you pay for it. However, you could be deemed high risk due to excessive claims if this is an issue you have more than every once in a while.
Paying for the replacement out of pocket may make more financial sense sometimes. Here’s a detailed discussion of the pros and cons for a more informed choice, starting with why immediate windshield replacement is crucial.
Immediate Windshield Replacement
Laws and common sense require you to fix any windshield damage immediately. Even a small chip can quickly spread and become a bigger problem.
Did you know that a damaged windshield affects the stability and safety of your vehicle? A windshield significantly contributes to the structural integrity of your car.
If you happen to get into an accident, a damaged windshield may not withstand the impact, compromising your safety. Additionally, cracks and chips impede your view while driving, making it a hazard for both you and other road users.
However, most windshields don’t just shatter or crack on their own. Usually, a small chip or crack gradually worsens over time until it becomes a safety issue, so don’t wait until it’s too late!
Advantages of Immediate Windshield Repair
Delaying windshield replacement can be a safety hazard and lead to further complications. Dirt and debris can accumulate in the crack or chip, making it impossible to repair and requiring a total replacement.
Moreover, extreme temperatures can worsen the damage by causing the glass to expand or contract, spreading the cracks faster. You might end up needing total replacement as opposed to a simple repair.
Find out how long it takes to replace a windshield and schedule a repair or replacement appointment as soon as possible to avoid these potential issues.
Get A Quote
Assessing the damage is essential before deciding whether to repair or replace the windshield.
If your windshield damage requires a replacement, it’s best to get multiple quotes from different repair shops. Some companies are open to coming directly to you, which may be more convenient if you have a busy schedule. However, don’t compromise on quality just for convenience.
When getting a quote, ask about the types of glass they offer and if they have any warranties or guarantees for their work. It’s also important to inquire about the timeline for the replacement and any additional costs such as labor fees or disposal fees.
The quote will also help you decide whether to use insurance or just pay out of pocket. If the quote is less than your deductible, paying for the replacement yourself may make more sense.
Minor Chips and Low-cost Windshield Repairs
If the crack or chip is smaller than one and a half inches, you can likely get it repaired with minimal cost and time. You shouldn’t waste time and resources for yourself and your insurer making flimsy claims because lots of administrative work is involved in the process.
When you use your insurance to do frequent, minor windshield repairs, you might end up with a bad record. Then, insurers may avoid you in the future, or worse still, hike up your premiums. You may also end up losing coverage for comprehensive protection.
Using your insurance for significant claims that cause significant damage is better.
Understanding Insurance Coverage for Windshield Replacement
Insurers cover windshield replacement in two distinct policies:
- Collision coverage reimburses or pays for damages incurred via vehicular collisions. It pays for windshield replacement as well as repairs for other vehicle damages.
- Comprehensive coverage pays for non-collision-related damages, such as windshield damage caused by theft, falling objects, or vandalism.
Here’s more: ‘Does Auto Insurance Cover Glass Repair and Replacement in Kentucky?’
Comprehensive Coverage vs. Glass Coverage
It’s important to note that not all comprehensive coverage policies cover windshield damage. Some insurers may offer a separate glass coverage policy specifically for windshield replacement and repairs.
Deductibles and Out-of-Pocket Costs
Within these policies, there are also deductibles and out-of-pocket costs to consider. A deductible is the amount you must pay before your insurance coverage kicks in.
With windshield replacement, some insurers may waive the deductible or offer a lower one specifically for glass-related claims. States impose different limits on deductibles, so it’s best to inquire from your insurer to understand your coverage.
For Kentucky residents, for example, the state requires insurers to offer a $0 deductible for windshield replacement claims. Filing a windshield claim also won’t affect your rates unless you’re a serial glass claimant.
Other states require insurers to have a lower deductible for windshield replacement claims than for other vehicle damages. Insurers may waive such deductibles even without laws obligating them to just to be competitive.
When It Makes Sense to Use Insurance for Windshield Replacement
You pay for insurance so it can cover your costs when you need it. However, not everyone should file an insurance claim for windshield replacement.
The law prohibits insurers from retaliating to a windshield replacement claim, so most insurers nationally won’t hike your rates for it. However, if you have already filed several glass claims in the past year or so, your insurer may view you as a higher risk and justifiably increase your rates.
It makes sense to use insurance to pay to replace your windshield when the repair cost far outweighs your premiums and deductibles.
When It’s Better to Pay Out of Pocket
Here are some scenarios when it would be better to pay out of pocket.
- Your deductible is $500 and the cost to replace your windshield is only $300. What sense would it make to file a claim if you’d have to pay more out-of-pocket with the deductible than the actual repair cost?
- Your deductible for windshield replacement is just $120 and the cost is $175? Is the $55 worth the administrative hassle as well as piling your claims record?
- Why file another claim for a $90 repair if you already claimed twice in the same year, once when a rock severely cracked your windshield and another time when a branch slightly chipped it?
In such scenarios, you should consider paying for the windshield replacement out-of-pocket and save your insurance for more significant vehicle damage, like a major accident or theft. It saves your insurance coverage for when you really need it, avoiding any potential rate increases.
Even when you reside in Kentucky or other states that impose a zero-deductible policy for windshield claims, insurers will be reluctant to cover multiple glass claims in a short duration. They could suspect potential fraud or abuse, which insurers and police take very seriously.
Moreover, filing too many windshield replacement claims can negatively impact your insurance coverage and future options. Insurers may view you as a high-risk customer.
Always Look at the Bigger Picture
To wrap up, it’s essential to consider the bigger picture when deciding whether to use your insurance for windshield replacement or pay out-of-pocket.
While saving money in the short term may seem appealing, it can end up costing you more in the long run if you damage your relationship with your insurer and limit your future coverage options.
Ultimately, it’s best to consult with your insurer and consider the perks and disadvantages before deciding. Consider factors such as your deductible, repair cost, claims history, state laws, and potential consequences on your insurance coverage.
If you’re wondering if car dealerships replace windshields in Kentucky, you may be focused on the wrong question. Ask where’s the best place to get your windshield replacement in Kentucky, and there’s an obvious answer: Rite-Way Auto Glass!
