How do GEICO glass claims work?

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.

You can cancel a Geico claim online, through the Geico mobile app, or by calling (800) 207-7847. But if you cancel a claim with Geico, or any other insurance company, the accident and attempted claim will still appear on your driving record. The payout would be listed as $0, though, which means a canceled claim shouldn’t affect future premiums.… read full answer

Geico makes it easy to cancel a claim because it allows the company to avoid paying out money to customers, which is better for their bottom line. There are plenty of reasons why drivers might want to cancel a claim, too.

Why cancel a Geico claim?

• The cost of repairs is about the same as your deductible.
• You filed one or more claims recently and want to avoid future premium increases.
• You can’t afford your deductible.
• You can make repairs yourself or don’t need immediate repairs.

Can you cancel a car insurance claim after getting the payout?

As long as you have not cashed the payout check, it’s not too late to cancel a claim. The process is not completed until you deposit the money into your bank account. Even at that point, you may be able to speak to Geico representatives to ask about returning the insurance payout and canceling the claim.

Will Geico cancel a claim if I’m at fault?

You can’t cancel the other driver’s claim if you are found to be at-fault in an accident. Your liability insurance will cover the damages up to your policy limits, and you shouldn’t have to pay a deductible. You can, however, choose not to have your insurance company pay out a claim for your personal injuries or vehicle repairs.

Yes, you should use insurance to repair or replace your windshield if it would cost more than your deductible to pay out of pocket for the work. If the deductible exceeds the repair or replacement cost, the insurer will not cover any of it and filing a claim would be pointless. A glass repair claim may cause your premium to increase slightly because of the cost to your insurer. But even if your rate does go up, it will likely be by about 2%, compared to around 40% for an accident claim. … read full answer

Glass damage is usually covered by comprehensive insurance, which pays for repairs after damage caused by something other than an accident, such as natural disasters or vandalism. Comprehensive coverage deductibles vary between policies, but they can range from $50 to $2,000. By comparison, fixing a windshield costs between $100 and $400, depending on the extent of the damage.

There are some instances when your glass deductible will be lower than your comprehensive deductible, too. In Florida, South Carolina, and Kentucky, drivers cannot be charged a deductible for windshield repair or replacement. In Arizona, Connecticut, Minnesota, and New York, drivers can choose a lower deductible specifically for glass repair. And some insurance companies, like Geico, will waive the deductible for windshield repair altogether regardless of where you live.

If you do use insurance to repair or replace your windshield, you should file a claim as soon as possible. Even a small chip can become more significant over time, so you should fix the damage before it becomes a safety hazard.