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Does Insurance Pay for Windshield Chip Repair in Houston?

Chipped auto glass needs windshield chip repair in Houston

Need windshield chip repair in Houston? Your insurance may help cover some of the costs.

If you’ve noticed a chip in your windshield, you might wonder what your options are. For instance, will your auto insurance pay for windshield chip repair in Houston? Our auto glass company is here to give you the low down on using insurance for auto glass repairs. It may be an option and it might make sense for you.

Will My Auto Insurance Pay for Windshield Chip Repair in Houston? It Depends

When it comes to windshield repairs, your insurance might cover some of the cost. However, it really depends on your policy. Take a look at your policy to see what’s covered. Coverage may also depend on the cause of the damage.

Generally speaking, windshield damages will either be caused by accidents or other factors. How the chip or crack occurred may play a role in whether your insurance covers windshield crack repair in Houston

Windshield Chip Repair in Houston after an Accident

After a car accident if you notice a chip or crack in your windshield, insurance may pay for the cost of repairs. If the other driver was at fault for the accident, typically you’ll file a claim with their insurance for damages. These damages can also include the cost for repairing chips or cracks in your windshield from the crash. Even if the other driver has only the minimum coverage requirement, which is liability coverage, it will help cover costs of damage to your car and auto glass.

If you were at fault for the accident, your insurance may also help cover some of the costs for damage to your car. If you have collision insurance or comprehensive insurance, your policy typically covers accident related damages to your own car. However, keep in mind that you will likely need to pay for your deductible. If the only damage is a small chip or crack to your windshield, most policy deductibles are much higher than the costs of auto glass repair. Of course, if you need a replacement windshield, you might benefit from filing a claim having your insurance cover costs over your deductible.

Repairs Not Related to Accidents

Of course, you might find yourself with a chip or crack in your windshield even if you haven’t had a car accident. In these cases, liability and collision coverage probably won’t help you. This is because they usually only cover damage from accidents. However, depending on your policy, your auto insurance may still pay for windshield repairs. If you have comprehensive coverage, these policies typically cover damages that aren’t accident-related. For instance, if a tree fell on your car, then your comprehensive insurance may help pay for repairs.

It’s important to check your policy, though. Some comprehensive plans cover windshield repair costs. However, others may only cover side windows. Still others may exclude auto glass altogether. Some insurance companies recommend getting additional auto glass coverage if you want to be able to file a claim for auto glass damages. So, make sure you know exactly what your specific policy covers. 

Once again, simple repairs are often an inexpensive option for maintaining your vehicle’s look and safety. In many cases the costs may not meet your deductible, so there’s no need to file a claim. However, some insurance companies will waive the deductible for repairs, so be sure you check in with your insurance agent to determine whether to file a claim for windshield chips and cracks.

Repairs and Replacements from Affordable Auto Glass: Your Trusted Glass Specialists

Whether you need auto glass repair, replacement, or even car window tinting in Houston, our team at Affordable Auto Glass is here to help. We understand the need for budget-friendly options for glass repair, replacement, and modification for your car. We are proud to offer fair rates and amazing service to our customers. Call us now at (713) 774-5277 to get a free quote or request mobile auto glass repair.

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