In some cases, deductibles don't apply. Most auto insurers cover windshield replacement if you have comprehensive coverage on your policy. In some cases, deductibles do not apply for windshield repairs. However, if you need to completely replace your windshield, you are likely to be responsible for paying your comprehensive deductible, unless you live in a “zero deductible” status.
If you have comprehensive coverage, you must be covered for auto glass repair, including full windshield replacement. At Progressive, if your glass can be repaired rather than replaced, you won't have to pay anything in most cases. Most insurance companies will only pay for windshield replacement up to the cost of an aftermarket glass. Your insurance company can only approve an OEM glass replacement if your vehicle has a specific safety or technology specification attached to the windshield that will only work properly with an OEM windshield.
If a full glass replacement is required to fix the windshield, you will certainly receive a new piece of glass. Whether or not the glass used to replace the windshield is repaired with original equipment manufacturer (OEM) parts depends on your policy coverage. Car insurance covers windshield damage and replacement in most cases through comprehensive insurance. If you have comprehensive coverage and you asked your provider to include windshield damage, you can file a claim to help pay for the replacement.
We had a customer who recently replaced his windshield and noticed a fog spot developing in the upper corner of the glass. Liability insurance only covers windshield replacement if someone else caused damage to your car. If you need to replace your windshield and want to file a claim with your insurance company, you must have comprehensive coverage. Similar to comprehensive coverage, drivers generally have to pay a deductible for collision claims, unless their insurance has a windshield replacement program with no deductible.
Without delay, the glass shop moved to replace the windshield on the same day and took additional steps to ensure that the trim was sealed properly. And if you have a no-deductible glass coverage option, you won't pay any additional costs to replace your windshield. If your windshield cracks during an accident that was your fault, your insurance will repair or replace it if you have collision coverage. In addition, federal regulations say that the windshield must be free from damage in an area that extends upward from the top of the steering wheel to two inches below the edge of the windshield at the top and one inch from the sides.
Contact a glass repair specialist if you have any questions about whether the windshield should be repaired or replaced. If your car insurance doesn't cover windshield replacement or glass damage, you should still do the repairs. One concern that many people have about complete windshield replacement is whether or not the new glass will leak at the seams.