Damage to auto glass can happen at any time. You might wake up to find that your car window was shattered in a vehicle break-in, or you may end up with a cracked/chipped windshield due to flying debris while you're driving. Either way, having your repair done as soon as possible is a must; even a small crack or chip can quickly spread if left without repair. The good news is that if you need auto glass repair or replacement, your auto insurance policy may cover the costs.

Your Repair Might Be Covered

If you have comprehensive coverage as part of your policy, you will most likely be covered for any auto glass repair or replacement. Be sure to double-check, however, that your specific policy includes auto glass coverage. Even if you don't have comprehensive coverage, your auto glass repair/replacement may be covered by your standard coverage if the damage was due to an accident or other covered incident. 

You Might Still Have a Deductible

Deductibles for comprehensive coverage claims can vary greatly from one insurance policy to the next. Even if your repair is covered, you may have to pay a deductible for your auto glass work. However, many auto insurance carriers these days are moving away from auto glass deductibles, so there's a chance you may not have to pay anything out of pocket. The best way to find out is to contact your insurance agent directly or look at a copy of your policy.

You'll Need to File a Claim ASAP

If your auto glass repair is covered, it's important to act quickly in filing your claim and having the work done. Because auto glass damage can quickly worsen if not repaired, your insurance company could deny your repair if it's been a long period of time between when the damage occurred and when you reported it.

You Can Choose Any Repair Shop

Even if your insurance company has a "preferred" auto glass shop, remember that you always have the right to choose whichever repair shop you want for your auto glass work. You can be reimbursed by your insurance company down the road; just be sure to find out what the process for submitting a claim for reimbursement is and follow all instructions.

Running into the need for auto glass repairs can be a hassle, but with the right insurance coverage,  you may not have to pay a thing out of pocket! Contact an auto glass replacement or repair company near you to learn more.