Certain auto insurance plans do include coverage for windshield and auto glass replacements. The two most common types of auto insurance are minimum coverage and full coverage. Minimum coverage provides the least protection required by most states for a driver to be permitted to drive. Full coverage auto insurance policies include not only the minimum required coverage mandated by the state but also additional coverage for incidents such as theft, collisions, auto glass, and more.

Insurance for such occurrences typically falls under your policy’s “comprehensive” section. Depending on your insurance policy, relevant state regulations, and the circumstances surrounding the glass damage, your insurance company may entirely or partially cover the cost associated with a windshield or auto glass replacement. Read on for more information on how each type of insurance could address the broken glass in your vehicle.

Accident Coverage

Collision insurance covers losses and repairs to your vehicle as a result of a collision. In the event of an accident, such as a collision with another vehicle or hitting a stationary object, collision insurance will likely pay for the cost of your windshield replacement, less any deductible you have.

Comprehensive Insurance

When you have collision insurance, you’re already covered in case of an accident. However, comprehensive insurance provides protection against various additional risks. For instance, your windshield could sustain damage from a falling tree branch, a rock striking the glass, a collision with a deer, or a severe hailstorm, among other scenarios. Glass damage resulting from such occurrences may be wholly or partially covered by comprehensive insurance depending on your deductible amount for glass claims.

Full Glass Coverage

Certain states offer drivers the option to obtain supplemental glass coverage from their insurance provider. This type of coverage covers windshield and auto glass repairs and replacement and often allows for a zero deductible option.

Remember, when filing a claim for auto glass damage, your insurance company may cover all expenses except for your deductible, contingent upon your policy and the regulations in your state.

How Much Does It Cost to Replace a Damaged Windshield Without Car Insurance?

The cost of replacing your windshield varies based on several factors:

  1. Vehicle make and model: The type of vehicle you own can impact the cost, as some models may require specialized glass or have more intricate installation processes.
  2. Type of glass: There are different types of glass available, such as OEM (Original Equipment Manufacturer) glass and aftermarket glass, which vary in quality and price.
  3. Glass features: Additional features like heating elements, rain sensors, and advanced driver assistance systems (ADAS) can affect the cost.
  4. Labor costs: Labor charges for the installation can vary depending on the auto shop’s location, expertise, and labor rates.
  5. Insurance coverage: Depending on your insurance policy, windshield replacement may be partially or fully covered, which can significantly reduce your out-of-pocket expenses.
  6. Additional services: Additional services such as mobile installation, disposal of the old glass, and warranties may incur extra costs.

Overall, it’s essential to consider these factors and obtain quotes from multiple auto glass repair and replacement providers to determine the most cost-effective option for your repair or replacement.

Choose Sentry Glass Inc. for Professional Auto Glass Replacement in Indiana

Selecting a reputable provider for auto glass repair and replacement is crucial. Sentry Glass Inc. is a leading auto and semi-truck glass repair and replacement company in Carmel, IN. Since 1991, our woman-owned company has been delivering windshield and window glass repair and replacement services for cars and semi-trucks across Indiana. Take advantage of our offerings, including mobile service and a lifetime warranty on workmanship. Contact us at 317-577-8147 or admin@sentryglassinc.com for a free quote or to schedule your service!