Windshield & Auto Glass Insurance

Insurance companies are a lot like the old joke about the opposite sex. You can't live with them and you can't live without them. Luckily when you need a new windshield many insurance companies are easier to work with than you might think.

Most insurance companies offer free repair if you have comprehensive (full coverage) insurance on your vehicle.
Some insurance companies offer a "glass deductible" that is different/lower than your vehicle deductible.
Typically speaking your insurance rates will not increase because of an auto glass claim.
Insurance companies typically don't require an insurance adjuster to inspect your vehicle.

There are still occasions when you need to be careful in what you accept from your insurance company. Unfortunately there are companies that will mislead you in order to decrease their payout. Examples of which could be:

Implying that you must use the glass specialists that they suggest.
Suggesting that a chip or crack is not anything to be concerned about.
Giving the impression (but not stating outright) that your rates will increase a great deal if you file a claim in order to discourage you from repairing or replacing a damaged windshield.

For additional information on insurance see our frequently asked windshield questions.