If you’re like 97% of Americans, you’re busy. Now you have a broken windshield to take care of on top of all your other responsibilities and you think you remember something about your auto insurance sometimes covering the cost in part or in full of windshield replacements. Except you don’t know where to start.
We can help guide the process along from Step 1, verifying your glass coverage with your insurance company and Step 2, helping you setup the glass claim with them. We do this many times a day with every insurance company. Often times when you call your insurance company’s customer service line to have an agent or rep just look at your coverage, they automatically try to tell you that they cannot do that and then transfer you over to their Glass Claims team, but they can only verify coverage if you setup a claim. You can find yourself getting bounced back and forth with no answer after 43 minutes. Trust us, we’ve done it! But we’ve also learned how to shortcut their processes and get coverage verified within minutes.
There is absolutely no risk involved in the first step at all, it is simply an inquiry into the coverage itself. Also, some companies have a separate glass deductible aside from your comprehensive coverage that will either fully cover your glass replacement or lower your deductible for glass related damage to something lower than your normal comprehensive deductible.
We can assist you in verifying your coverage and we have had many instances where a customer assumed they had a $500 deductible, yet allowed us to help verify just in case and discovered that they had a $0 deductible all along. And they had waited over a year to replace their windshield because of it! Please call us with any questions on this.
Since deductibles are paid to the shop directly, we reserve the right to either accept the full amount of your deductible, a partial amount or none of it, depending on your vehicle and your insurance company. We are able to do this by looking at the margin between what the insurance company will pay on your specific windshield part number and what our cost is at that point in time, since parts cost and availability are always changing.
Sometimes we can waive $25 or $50 off your deductible, other times we can waive $100 and in rare occasions we have been able to waive up to $300 off of a $500 deductible in order to lower the amount the customer needed to pay. They paid $200 rather than $350 by still going through insurance. Please call us for further details on this topic.