A windshield chip repair or windshield crack repair in Phoenix doesn’t have to be stressful. If your auto insurance covers your windshield repair or windshield replacement cost, you can go to almost auto glass repair shop near you to fix your cracked windshield. Here are some tips on filing an auto insurance claim to cover your windshield repair costs.
Understand What Auto Glass Repairs Your Insurance Covers
Most auto insurance policies cover the cost of auto glass repairs when a cracked windshield or window was caused by a storm, fire, vandalism, or an animal collision. Your auto insurance may not pay your car window repair, windshield repair or windshield replacement cost if you got into an accident with another car, or ran into something. You should also find out if your auto glass repairs are all-inclusive. Some insurance policies only cover car window repairs, and will not accept claims for windshield repair.
Determine the Amount of Your Comprehensive Deductible
Your auto insurance deductible is the amount of money that you’re responsible for paying before your auto insurance kicks in and takes over. For instance, if your deductible is $1,000.00, you’ll need to pay the first $1,000.00 in repair costs before being able to file a claim with your insurance company. If your deductible is higher than the cost of your windshield repair, it’s not worth going through the hassle of filing an insurance claim. Some car insurance companies do cover windshield replacement costs without requiring you to pay your deductible, though your insurance premiums will be higher.
Consider Whether Your Claim Will Impact Your Premium
If your chipped or cracked windshield is the result of a collision, filing a claim to cover the cost of your windshield repair may cause your insurance premium to increase. Windshield cracks and chips that occur due to a storm, fire, vandalism, or an animal collision typically do not cause your premium to increase. If your windshield repair is only slightly more expensive than your deductible, you may be better off just paying the entire amount yourself.