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Automobile Insurance Companies Have Auto Glass Claims Than Any Other Claim

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Updated November 15th, 2020

Glass holds a special place in the world of automobile insurance. According to Safelite AutoGlass, windows create more insurance claims than any other part of the car. And glass claims are not going to slow down any time soon. The quantity of glass elements in cars has increased by fifteen percent during the past decade.

Fortunately, auto glass falls beneath comprehensive part of a vehicle coverage. If your window is ruined by flying rock on the road, your automobile insurance will cover or replace the window.

Keep under consideration, that comprehensive coverage is optional. And in a number of cases, you will need to pay a deductible before the insurer picks up the check for fixing or replacing your window. Some vehicle insurance companies will relinquish the deductible, however. Why the waiver? Most glass cracks are categorized as “no fault,” implying that it isn’t possible for a driver to mitiage the damage.

Do you fix or replace the window? Often, auto glass replacement is subject to a deductible, although not glass repair according to Progessive. Other insurance companies follow similar rules. It costs far less to fix a window than replace it, so insurance firms inspire auto owners to go with the inexpensive option instead of replacing a new window for each small nick.

In a few cases, vehicle insurance corporations will waive the deductible for an auto glass claim. If your vehicle has glass damage, the real question is whether you need to fix or replace it. According to the Consumer Report, the median cost of a window replacement is $300.

That is not bad, but repairs can be even less, from about $20 for a little chip to $70 for a long crack. Many glass companies which makes a speciality of auto glass, notes on its web site that experts can inject a resin-based bonding agent into the crack.

Any glass can be handled this way, though it’s comparatively rare for non-windshield glass to sustain this sort of damage. This stops the windscreen from cracking even more than that, and revives your capability to see well thru your windscreen.

Another benefit of fixing over replacement is the original seal connecting the window to the automobile frame remains untouched, according to many glass experts. Generally, if an auto glass chip or crack is larger than a dollar bill, you need to replace the window.

The sole auto owners who may face problems in correcting or replacing auto glass are those with classic automobiles or foreign car. Be careful of glass scam regardless of what sort of vehicle you have, use caution about where you get your window fixed.

Con artists will establish brief glass fix operations at gas stations, auto washes or parking lots where they will offer free window. They will ask for your insurance information and then go to work. Many con artists may make it obvious that a just about invisible blemish needs repair .

They will contact your insurance firm; since the deductible is waived, you sign off on it. Or they may tell you a crack that might be mended truly requires a new window. If you hesitate, they offer to pay the deductible themselves and overbill your insurance company. Either way, the insurer pays for a pointless repair which influences auto insurance rates nationwide.

Windows may not cost to repair for your car, but the one company doing glass scams billed an insurance company over five million dollars in false claims during the period of two years. In total the amount of false claims be glass scam companies could be in excess of fifty million dollars per year.

The best thing to do is ask your insurance company for a referral to a reputable glass company they have done business with before.

Other tips to follow include: working only with companies that have a real address. Make sure to look at your insurance bill and the repair was not billed to the insurer as a replacement when you receive a “fix”.

Most important, be careful of glass repair services that solicit you by “noticing” a crack you haven’t seen or offering incentives.


Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg has been in the insurance industry for 12 years and enjoys rebuilding vehicles. His goal is to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at his Twitter or Facebook Profile.

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