Should You File a Windshield Insurance Claim?
Before you file a claim for auto glass coverage, consider your deductible versus the repair costs. Your insurer will subtract your deductible from the total amount claimed. That means that if your deductible is greater than the price of the repair, you won’t get anything from your insurance provider.
Most deductibles for comprehensive coverage range from $50 all the way to $2,000. We have found that if your deductible is over $1,000, it is unlikely that your windshield damage would cost that much or more, or you would receive a check from your insurer.
If your deductible is low, like $250, the decision to file a claim can be a tad more difficult. Some comprehensive policies waive the deductible for glass claims while others don’t. Consult your policy or insurance agent to see if you have auto glass damage provisions on your policy.
How to File a Windshield Claim After a Break?
When your windshield shatters and you decide to file a claim, the process is the same for all other insurance claims. Most companies allow you to call an agent or submit a claim online. You may even be able to do it from an app on your phone. Auto insurers like to be notified of damage right away. If your windshield was damaged by an act of vandalism, for example, you should notify the police and obtain a copy of your police report.
When you call your insurer, you may be directed to a special division that handles broken auto glass specifically.
After you have filed your claim, the auto insurer may require that you bring the car into the shop of their choice to have the damage assessed. Some companies may prefer you to go to one particular shop to get the auto glass replaced. Other insurers don’t care where you go and allow you to work with any local service. Make sure you save all your receipts so the insurance company knows how much you should be reimbursed.
Will My Insurance Rates Go Up if I File an Auto Glass Claim?
In most cases, only an at-fault accident will raise your insurance rates. Auto glass replacement and repair are considered comprehensive claims and should never cause your rates to go up. Depending on your insurer, you may become ineligible for insurance discounts if you file multiple auto glass claims, which means that your insurance premiums could rise once the discount is removed.
How many glass claims can you file in a single year? That all depends on your insurance provider. Contact your policy representative to learn more.
How Soon After the Auto Glass is Replaced Can I Use My Vehicle?
Once your windshield glass is replaced, you may want to drive away immediately to head back to work or wherever you need to be, but is it safe? The company who repaired your windshield should give you a minimum safe drive-away time. This is dependent on the adhesive that was used and how long it takes to dry. If the adhesive isn’t allowed to cure properly, you could find yourself in trouble if you were to get into an accident. No one ever anticipates a car crash, but you really don’t want to get into one when your auto glass adhesive is still wet. That’s because the windshield could come completely unglued, sending it flying in the case of an accident. With no auto glass to keep the integrity of your vehicle intact, you and your passengers could face serious bodily injury or death.
The time to dry for your vehicle could also depend on the temperature, humidity, type of vehicle, and the type of auto glass being replaced. If you are not provided with a time to drive-away, make sure you ask for complete safety’s sake.
Your auto glass may add time to the minimum safe drive-away time that is recommended by the adhesive manufacturer. If that’s the case, don’t get upset that you have to wait just a little bit longer. The extra time is only there to protect you, your occupants, and vehicle. Before you know it, your adhesive will be dry, and you’ll be able to drive away safe to any destination you desire.
What if My Windshield Cracks After I’ve Had it Replaced?
Your windshield, after being replaced, should operate like brand-new auto glass and should never break just because. A windshield that cracks immediately after replacement is a sure sign that the job was mishandled. That is why it is crucial to only choose a reputable shop that employs experienced auto glass professionals. You want guarantees that your auto glass will hold so that you and your passengers remain as safe as possible at all times.
That being said, it could be that your new windshield was hit by an object that caused it to crack. There have been instances of customers who have had to pay for multiple replacements in the same year merely because of bad luck. However, if your auto glass cracks without being hit, that’s a sign that the auto glass replacement failed. Bring your vehicle to Sir Glass for a full assessment and auto glass replacement done right.
How Do I Drive to the Shop if My Windshield is Busted?
You walk out to your vehicle, intending to drive to work, only to find that your windshield has been shattered by a falling tree limb. How are you supposed to drive to the auto glass shop with a car in that condition?
Luckily for you, many auto glass shops like Sir Glass offer mobile services. With mobile auto glass repair or replacement, you don’t have to drive your vehicle anywhere. Instead, we come to you with the windshield glass or repair kit, along with all the necessary tools to perform a quality job. You can have your auto glass fixed while you wait and can go about your business as soon as the technician deems the vehicle safe enough to drive.
How Can I Determine if My Windshield Was Repaired Correctly?
Unfortunately, there’s no single eye test that can determine the quality of your auto glass replacement. The best you can do is choose a reputable auto glass service that employs certified technicians.
At Sir Glass, now serving Portland, Oregon and the surrounding areas, we are confident in the work we do for customers like you. We include a lifetime warranty with our in-shop and mobile auto glass service, which means you can drive away confident that your windshield was successfully replaced.
If you live in Portland, Beaverton, Lake Oswego, Oregon City, Gresham, or Wilsonville, we invite you to contact our shop or drive in today. We can repair or replace your windshield, back auto glass, and all side glasses for prices you can afford. Drive away the same day and remain safe with quality auto glass service. Call now for a free quote.