Does car insurance cover windshield replacement?

It costs $200 to $300 to replace a windshield without insurance, on average. The exact amount you will have to pay to replace your windshield depends on a number of factors including the year, make, and model of your car. Replacing the windshield of a new, luxury vehicle loaded with features could cost twice as much as replacing the glass of an older, economy car.… read full answer

The type of glass used is another factor that greatly influences your final price. Aftermarket windshields cost around $100 less than OEM (original equipment manufacturer) glass. But AAA warns that using lower-quality parts might be a risk. Bargain windshields may create optical distortions that make it harder to drive.

Another safety concern with aftermarket parts is fit. Your windshield helps to support the roof and structure of your car in an accident and plays a critical role in airbag deployment. If it doesn’t fit perfectly, you’re less safe in the event of a crash.

How much does it cost to repair a windshield?

It generally costs between $50 and $150 to repair a cracked or chipped windshield, but it could cost less in some cases. Usually, the smaller the crack or chip, the cheaper it will be to repair.

Even without insurance, windshield repair or replacement should be pretty affordable. But if you do have insurance, it’s possible that you may not have to pay anything at all. Many insurers offer $0 or low deductible glass claims as part of comprehensive coverage.

When You Should Replace Your Windshield

In general, your windshield needs to be replaced if it has a crack larger than a dollar bill or a chip that’s larger than a quarter. If the damage is small and falls out of the driver’s line of sight, it can usually be repaired rather than replaced.

Geico windshield replacement is part of the company’s comprehensive coverage. When a windshield is damaged by anything other than a car accident, Geico will arrange for repair or replacement as long as the policyholder has comprehensive coverage. Windshield repairs are not subject to Geico’s regular comprehensive deductible, but full windshield replacement with Geico requires a deductible in most states.… read full answer

If your windshield is damaged in a collision caused by another driver, his or her liability insurance will cover your repair or replacement costs. If you are at-fault in an accident that damages your windshield, you can file a collision claim with Geico.

Geico Windshield Replacement Policies by State

Florida, Kentucky, and South Carolina require all insurance companies to waive the comprehensive deductible for windshield repairs and replacement. This encourages policyholders to fix a problem that poses a safety hazard to other drivers, passengers and cars.

Additionally, insurance companies are required to offer a $0 windshield deductible to customers in Arizona, Connecticut, Massachusetts, Minnesota and New York.

Everywhere else, you should expect to pay your comprehensive deductible for a windshield replacement unless your policy specifies otherwise.

Geico Windshield Replacement & Repair Timing

Geico schedules windshield repairs and replacements quickly, often the same day that the claim is made. If there is a small chip or crack in the windshield (generally smaller than a dollar bill), Geico will arrange for a professional technician to repair the damage at your home or office. This process can take 30 minutes or less. For more extensive damage, full windshield replacement usually takes less than an hour.

Yes, GEICO has glass coverage. GEICO’s glass coverage is generally part of its comprehensive insurance. Comprehensive coverage pays for damage to a vehicle from theft, vandalism, flood, fire or other perils. This type of insurance is usually written with a deductible between $500 and $1,500 per incident. Glass damage is subject to the comprehensive deductible unless the damage occurs to the car’s windshield. GEICO will waive the deductible for repairs to the windshield. Although repairs to the windshield are free, windshield replacements are not and will require policyholders to pay their deductible in most states.… read full answer

Glass damage from a car accident is paid under different coverage. If the accident is the other driver’s fault, his or her liability insurance will pay to repair your glass. There is no deductible involved and no cost to you. If you are at fault in the accident, and you carry GEICO collision insurance, your collision policy will pay the amount of the repairs over your chosen deductible.