Damaged vehicle windows and windshields are one of the most common auto insurance claims than any other vehicle part or component. If you have an auto insurance policy that covers auto glass repairs, then you have made a smart decision. Even if your policy covers windshield replacement and auto glass repair, it is not always best to file a claim.
Filling an Auto Glass Claim Could Affect Your Insurance Rate
When you file an insurance claim, even for auto glass replacement or repair, your insurer has the option to increase your rate. While a single claim may not cause a rate increase, the more claims your file, the more you increase your chances of raising your rate.
If the damage is your fault, even if it is your first claim, it is guaranteed that your rates will rise. This is because when the provider looks at the claim, you present them with a greater monetary risk for the company.
Talk to Your Insurance Agent About Your Options
If you have any questions about filing a claim and whether it will have a negative impact on your rate, it is important to contact your insurance agent and ask them directly. Ask them about how their company handles auto glass insurance claims and how the claim could affect your policy rates now and down the road.
When Should I File an Auto Glass Claim?
Filing a claim or not is ultimately your decision. There are situations where the best move is to file a claim, whereas other times, it is best to pay for the repairs yourself. For example, if the cost of the repairs does not meet your deductible, your policy will not pay out, so there is no reason to bother filing a claim. Depending on your policy, these situations may be worth filing a claim for:
- Damage caused by another driver – If another driver cause damage, the other driver’s insurance should cover the auto glass repair or replacement. You will not need to file a claim, but you will need the other driver’s insurance information.
- Small cracks and chips – If you have experienced minor damage, smaller than the size of a dollar bill, then your insurance company may waive the deductible if you choose to repair rather than replace it.
- Accident forgiveness – If you’ve elected to have accident forgiveness as part of your auto insurance policy, then your monthly rate will not change if you file an auto glass repair or replacement claim, even in the event that the damage was your fault.
Need Auto Glass Repair or Replacement?
At Three Rivers Auto Glass, we can help you with all of your auto glass needs. Whether you need a small chip repaired or need a full windshield replacement, we’ve got you covered!
Contact us today to learn more!