Valley Glass has been successfully working with insurance companies for years. We have great relationships in the industry, and we work hard to ensure policyholder satisfaction. We also know that every state has different laws when it comes to coverage for windshield insurance claims. When your windshield is damaged, your first thought may be whether or not you are covered. This really comes down to the type of insurance you have. We contact your insurance on your behalf to find out this information for you.
The laws governing windshield repairs and replacements vary from state to state, just as they do with other aspects of auto insurance. You must carry comprehensive coverage in order to have your windshield damage taken care of by your insurance. This is true for every state.
Your vehicle’s non-accident-related damages are covered by comprehensive insurance. An example of this would be if a truck ahead of you kicks up a large rock and causes damage to your windshield.
Your collision coverage or the other driver’s liability coverage will pay for any damage to your windshield caused by an accident.
Utah allows insurance companies to charge for windshield replacement and repairs, in contrast to other states. Damages to the windshield must be repaired with the comprehensive deductible paid by drivers.
In addition, Utah auto insurance companies can choose to repair damages with original or aftermarket parts. Since the car company makes the parts, the majority of people prefer original equipment manufacturer parts, but those parts typically cost more. You have a right to know what parts the repair company is using before allowing it to be installed on your vehicle.
Even though drivers in Utah can choose their own repair company, you will be responsible for the difference if your repair company charges more than the auto insurance company recommends. On a positive note, you can avoid paying a deductible for repairs or replacements by purchasing glass coverage from a number of auto insurance companies, or by adding it to your existing policy.
What Exactly Does Zero Deductible Windshield Repair Mean?
Repairing a windshield with zero deductible is exactly as it sounds. Drivers can get windshield replacement or repair coverage from some auto insurance companies without having to pay a deductible. Some companies include this in every comprehensive coverage policy, while others sell the coverage separately. The additional coverage costs different amounts depending on the state and auto insurance company. In some instances, only repairs are covered by insurance, while windshield replacement requires a deductible.
Some glass damage may not be covered by insurance. Depending on the coverage that is provided, side window repairs, for instance, may or may not be covered. To determine the amount covered by your glass coverage, carefully read your policy.
It is important to know that auto insurance providers in Utah are not required to provide deductible-free windshield repairs. If you use your insurance to fix or replace your windshield, you will be responsible for paying your comprehensive deductible. When this happens, you can decide if it is worth using your insurance or paying out of pocket.
Should You Use Your Insurance to Fix a Cracked Windshield?
When a vehicle is damaged, it usually makes sense to use your auto insurance to fix it. However, this may not be the case with your windshield.
There is no disadvantage to using your insurance if you live in a state where you do not have to pay a deductible to fix your windshield. A glass claim typically does not result in an increase in your car insurance rates. However, using your insurance might not be the best choice for you if you live in a state that allows auto insurance companies to charge you a deductible for windshield repairs.
Most of the time, replacing a windshield costs less than your deductible. Costs are higher if your windshield needs to be replaced, but they may still be less than your deductible.
In addition, you can select the repair company you use instead of going with the one recommended by your insurance provider. Keep in mind that if your company is more expensive in Utah, you will have to pay the difference.
Additionally, you will have greater control over the parts used in your repairs. For instance, if you have auto insurance in Utah, repair shops may use inexpensive aftermarket parts. Your policy will tell you how much your comprehensive deductible is and whether windshield replacements or repairs are covered.
Insurance for a Replacement Windshield in Utah
The Bottom Line: Auto insurance companies in Utah are not required to provide free windshield replacement or repair services. Instead, in order for your insurance to cover repairs, you will need to pay your comprehensive deductible.
Once you are informed, your Utah auto insurance provider can also select the kinds of parts used in the repair. If you go to a repair shop that costs more than what the insurance company recommends, the insurance company will also charge you the difference.
Additionally, a number of states mandate that auto insurance companies provide glass repairs with no deductible. In some states, auto insurance providers are required to provide additional glass coverage with no deductible. However, adding that coverage comes with a cost.
It may not be worth it to use your auto insurance company for windshield replacement or repairs if you live in a state with no deductible for windshields or have no deductible coverage. With a glass claim, your rates shouldn’t go up, but your deductible might be higher than the cost of the repair. As a result, you’ll have to pay for repairs yourself. The good news is that most repairs cost little compared to a replacement.
You can trust the team at Valley Glass to help you understand what your insurance covers and talk to you about the cost of your deductible compared to the cost of the work. It is important to bring your vehicle to us because we also warranty our own work, giving you added protection and saving you money.