Windshield replacement can be expensive, but luckily in most cases, it’s covered by insurance. Depending on your policy, you may have to pay a deductible before the insurance company covers the replacement cost.
Whether you’ve just cracked your windshield or need to be replaced, Super Auto Glass is here to help. This article will examine how much windshield replacement costs and how to file a claim with your insurance company.
The average cost for a windshield replacement with insurance still sits at around $300, depending on many factors. The repair cost will vary depending on the severity of the damage, but it is typically much less expensive than replacing the entire windshield.
If you have comprehensive coverage, your insurance will likely cover the cost of repairs. However, if you have only liability coverage, you will be responsible for the full cost of repairing or replacing your windshield.
One common question is whether car insurance will cover the cost of replacing a windshield, and that really depends on the policy. When it comes to replacing a windshield, there are typically two ways that insurance companies will cover the cost:
- Through comprehensive coverage, which will usually cover the full replacement cost of the windshield.
- Through windscreen repair insurance which typically only covers a portion of the cost.
How Insurance Works
Glass repair and replacement is a common claim filed with insurance companies. Insurance companies usually have a set fee that they will pay for glass repair or replacement, which is usually based on the make and model of the vehicle.
To have your windshield covered by insurance, most policies require that you have comprehensive coverage. Comprehensive coverage usually costs an extra $10-$30 per month depending on the policy.
So if you total your car, the insurance company would pay to replace the windshield (and everything else). However, if you only have liability coverage, your windshield would not be covered.
Cost Structure of Windshield Repair
The cost of a windshield replacement can vary depending on the make and model of your car, as well as the type of glass that is used. Generally speaking, the cost will probably be between $200 and $400.
The cost of a windshield repair is usually much less than the cost of a replacement. Most repairs range from $50 to $200. However, if the damage is extensive, or if the glass has been cracked or chipped for some time, a repair may not be possible, and you will need to replace the windshield.
Windshield Repair vs Windshield Replacement
Assuming you have comprehensive coverage, your insurance will likely cover the cost of repairs or replacement for your windshield. Depending on your policy deductible, you may be responsible for some portion of the cost. Many insurance companies have a $0 deductible for glass repair/replacement, so you wouldn’t pay anything out-of-pocket.
How to Get Repair Done Through Insurance
Knowing how to replace a windshield with insurance in an emergency is important. Here’s what you need to do:
1. Call your insurance company and ask if they cover glass repairs or replacements. Many policies have coverage for windshield damage, but it will likely come with a deductible.
2. If your insurance policy does not cover glass repairs, you can still get the work done through an auto glass company. Be sure to get multiple quotes before choosing a company to work with.
3. Fender benders often cause chipped windshields, so be sure to check yours regularly for cracks and chips! Even small imperfections can grow into bigger problems over time.
If your windshield can be repaired, that’s usually the cheaper option. A professional technician will use a specialized resin to fill in any chips or cracks, restoring the strength and clarity of the glass. Depending on the size and severity of the damage, repairs can often be completed in just 30 minutes or so.
For those with comprehensive coverage, the out-of-pocket cost for replacing a windshield will be much lower than if you didn’t have insurance at all. In most cases, your insurance company will completely cover the costs of materials and labour for replacing your windshield. In some rare cases, your insurance company may require you to pay a small deductible before they reimburse you for the full amount.
Stress-Free Windshield Replacement
Super Auto Glass is here to assist when your windshield becomes unexpectedly damaged.
With our distinct knack for repairing vehicles with efficiency and professionalism for the past ten years, Super Auto Glass is Calgary’s most trusted source for automotive repair.
Request a quote or contact us today at 587-801-1140.