Windshields and Glass – Cracked? Smashed? What Do I Do Now?

Windshield Repair Insurance: What You Need to Know before Buying

Windshield repair insurance is a great way to protect your car, but how do you know if or when to file a claim?

There are many types of windshield repair insurance endorsements. The most common type is called “claims-made” coverage, which means that it covers repairs only if they happen while the policy is in effect. Another type of coverage is called “continuous” coverage, which means that you can get repairs at any time, even if the policy has expired. Claims-made is by far the most written type of policy in most insurance agencies in our area.

Windshield Replacement – Important Things You Should Know

Windshield replacement on your policy is a good way to cover these costs in the event that your windshield is damaged or broken.

The cost of a windshield replacement varies depending on the type of glass, the size and shape of the windshield and the damage. Since there is so much technology in our vehicles these days, many times you’ll have to calibrate or replace sensors in the glass too.

Windshield Replacement – The MOST Important Thing You Should Know

In Kentucky, there is no deductible (out-of-pocket expense) for a glass or windshield claim. However, keep in mind that a claim filed on your insurance policy is still viewed by your insurance company as a claim. It can affect your claims history, which of course can affect your rates. It can also make you ineligible for a new policy with a new insurance company. 

For example, here is a real claims history for a quote that I was working on a few weeks ago. 

1. Glass 05/23/2021
2. Glass 12/08/2020
3. Glass 06/08/2020
4. Glass 09/30/2019
5. Glass 12/03/2018

Because they had 5 glass claims in less than 4 years, I couldn’t help them with a good policy with great rates. They had too many claims, even though there weren’t any collisions or accidents.

I would recommend you find out how much a new piece of glass will cost before you file a claim for replacement and be sure that it’s a claim that is worth filing with your insurance company. Sometimes a chip repair will work and that is a pretty inexpensive repair. 

Your insurance agent can walk you through setting up a claim and making sure your vehicle is road-ready again.

www.castleinsuranceky.com