Your windshield is damaged and now requires replacement. Whether in or around the Las Vegas area, so, there are answers you need to know before seeking a replacement.
1 – Will your insurance cover the cost?
2 – Will your insurance company replace your windshield for free?
3 – Will your insurance premium go up?
Often, we find ourselves guiding our Las Vegas customers on what they should know when it comes to insurance claims and windshield replacement. Windshield replacement comes in many varieties: broken, shattered, cracked or chipped. When replacing your windshield:
Always refer to your insurance carrier first – contact them and make sure—even if you think you already know, exactly what your insurance covers. You do not want to replace a windshield only to find that there were guidelines you needed to follow in order to get full coverage.
Know what kind of insurance you have -comprehensive insurance generally covers a windshield replacement, after you’ve paid your deductible. A deductible is a pre-determined amount of money that needs to be paid before coverage begins.
Check to see if you have glass coverage – some insurance companies, in some states, offer optional glass insurance that covers your windshield without charging a deductible. Your insurance will charge for this type of coverage, which is why some people choose to forgo this offer, believing that, in the long run, glass coverage is more expensive than just paying out-of-pocket for a windshield replacement. On the other hand, if you are someone who needs a lot of windshield replacements, this plan might benefit you.
Weigh your options – insurance vs. out-of-pocket is always a question most people consider. What is your deductible and/or will your premium go up? Depending on the results, you might choose to pay for the windshield yourself. Keep in mind that, even if your insurance company says they do not increase rates, over time, should you require more than the normal amount of windshield replacements, you could get hit with a high-risk classification and see your rates soar. Check with your insurance carrier to make sure you understand all the details.
To file a claim, you will need to:
- Contact your insurance company first
- File as soon as possible
- Know your VIN number, make/model/year of your vehicle
- Know circumstances surrounding damage
- Upon approval, take your vehicle in for repair.
At Clear Quality Auto Glass, we make the process of windshield replacement easy and affordable. Contact Clear Quality Auto Glass today at (702) 468-9730.