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It can be tricky to understand what is included in your car insurance policy and what is not. Until the moment that you need to have your windshield repaired or replaced, insurance coverage probably is not a concern. When dealing with a damaged windshield, however, most car owners want to know if it’s covered.
Windshield damage is not covered by all types of insurance nor all policies. Find out what comprehensive, collision and liability insurance will pay for when it comes to fixing or replacing windshields.
Comprehensive Car Insurance
Comprehensive car insurance often includes payment for scratches, chipped, cracked or shattered windshields. Coverage usually entails repairs and replacement for damage caused by a range of things, such as:
- Rocks and gravel,
- Hail or ice,
- Storms and other natural disasters,
- Deer or other animal collisions,
- Vandalism or theft.
If the windshield was broken by something other than a car accident, comprehensive insurance is your best bet for having repair work or new glass covered.
To be sure, ask your car insurance company. Check that your policy has car glass coverage for damage not caused by collisions, and specifically for windshield repair.
Check Your Insurance Deductible
Many comprehensive insurance policies which have car glass coverage set relatively high deductible rates for car glass. Some policies only apply the deductible to windshield replacement, but not to repairs. If you’re considering filing a claim for windshield repair or replacement, make sure that the deductible is lower than the total estimate for the work.
Find out if it’s possible to get the insurance deductible waived for windshield replacement.
Changes to Your Insurance Premium
When the damage is not a result of an accident, having car glass repaired or new glass installed should not affect your insurance premium.
Process for Filing an Insurance Claim
First, it’s best to file a claim for the work as soon as possible. Then, your insurance company will you know if it will be covered by your policy. The agent may request further information or an inspection to evaluate the extent of the damage.
Next, you will need to find a reliable car glass repair shop. It’s also possible to request reimbursement from the car insurance company after the work has been completed.
Full Glass Insurance Coverage
Drivers can opt for full glass insurance in addition to comprehensive insurance. It covers the expense of fixing a windshield or getting a new one without applying a deductible charge.
Other Types of Insurance
Collision coverage and liability insurance cover the cost of windshield repair or replacement when damage is caused by an accident. Unfortunately, this is the only case in which it would be included.
Choosing a Repair Service Provider
Remember, you always have the right to choose what company to trust to fix your car. This also applies to car glass repairs and replacement. Drivers aren’t limited to service providers recommended by their car insurance company or even in their network. Choose the collision repair or car glass specialist in your area who provides the most reliable service.
How TO DO IT !
Take the Car to the Shop or Have Mobile Windshield Replacement?
This is a common question that our customers ask themselves before requesting windshield replacement.
Mobile car glass services are a new idea, but it’s not a car owner’s only option. When it comes to windshield replacement and auto glass repair, car owners have two main concerns: the safety of the car and the inconvenience of getting it fixed. Here are some factors to consider when deciding which car glass replacement option is best for you.
For most of our customers, it is difficult to find the time to bring in your car for repairs. They know that it’s important to have a damaged windshield repaired or replaced quickly, but between work and other responsibilities, it can still be a challenge. If this is the case for you, mobile windshield replacement offers a great deal of convenience.
Car owners can schedule an appointment to have a windshield repaired or replaced. Plus, with the mobile service, you can have the technicians come to you. They bring any tools and replacement glass that will be needed in the truck and the work can be done wherever it is most convenient. Most customers choose to have us meet them at home or at their workplace.
Both mobile and in-shop windshield replacement take about an hour to complete. The vehicle is not immediately safe to drive, however. The urethane used in the process requires extra time to set and cure. Drive-away times for a full windshield replacement range from 2 to 4 hours depending on the environmental conditions. When you call to schedule car glass services – either mobile or in the shop – the company should provide you with a more accurate estimate of the drive-away time.
The windshield actually functions as part of a vehicle’s structural support. Extensive damage to the glass is a safety concern. It can decrease visibility while driving or decrease the car’s ability to protect the driver and passengers in case of an accident. This is why you should choose the windshield replacement option that is quickest for you. Whether you have the windshield replaced by mobile car glass technicians or you take it to the shop, they should restore your car to its pre-damage safety conditions.
How to Remove the 10 Most Difficult Things from Car Glass
1. Window Tint
Here’s how to remove window tinting film. Use a hairdryer or heat gun to loosen the adhesive on the window tint. Put it on the high setting and hold it about two inches from the glass. Lift the edges away from the glass with a plastic scraper. Work in sections, heating the tinting film and peeling it off. Use a clean lint-free rag and WD-40 to rub off any adhesive still sticking to the window. Finally, clean the car window with glass cleaner and paper towel.
Stickers and decals on car glass don’t need to last forever. Most stickers can be scraped off easily after soaking them in soapy water or a solution of laundry softener and water. It’s safer to use plastic scrapers because razor blades may scratch the windshield.
For stubborn vinyl decals, try heating the area first with a hairdryer or heat gun. With the high heat setting, warm the decal and the adhesive will begin to detach. Then, use a plastic blade to scrape the decal off the windshield. Adhesive remover, like Goo Gone, can help get rid of any remaining residue. Finally, clean the car glass with a lint-free rag.
3. Tree Sap
Sticky tree sap can be a real challenge to clean off car glass, especially if it has been smeared by the wipers. We recommend using simple rubbing alcohol*. If you have a can of bug remover product, this usually works well too. Pour a small amount of diluted alcohol on a rag, then lay it on top of the sap and let it sit for one minute. Next, use the rag to rub the area. Continue to add more alcohol solution and wipe with the rag until it’s all gone. Clean up using glass cleaner.
4. Spray Paint
Don’t despair, spray paint on a windshield isn’t permanent. First, scrape the paint off the glass with a plastic blade. Use long strokes across the glass in one direction, not back and forth. Next, use a small amount of acetone nail polish remover to attack any remaining paint on the glass. Pour it onto a microfiber cloth and gently rub the painted area. Finally, rinse the windshield and wash the car thoroughly.
Chewing gum can be difficult to remove from any surface. A quick trick for getting it off a windshield is to use ice to harden the gum. Once you have pulled off as much as possible, put a few ice cubes in a plastic bag and place it on the remaining gum. Hold it there for a few minutes. Then, peel the remaining gum off the glass. If the area is still sticky, spray it with a bug remover product and rub it in with a clean rag. To clean up, use soapy water and a sponge.
The one downside of the summer is bug splatter on the windshield. Specific bug removal sprays, such as Turtle Wax or BEST Bug-Off, are available and usually do the trick. However, a great DIY alternative is using WD-40.
Soak the dirty spot with the oil and let it sit for a few minutes. Next, scrub the glass with the scratchy side of a regular kitchen sponge. Finally, wipe that area of the windshield clean with a microfiber cloth.
7. Acid Rain Stains
Acid rain can cause a lot of damage to vehicles. Though it may not pose any great risk to windshields or windows, it can certainly decrease visibility. For tough acid rain stains, there is a cheap solution. Clean the car glass with white vinegar and water. You can fill a spray bottle with one cup of vinegar diluted in one quart of water. Use a clean part of a microfiber cloth or paper towel each time you wipe the glass. It should dry clean and streak free.
8. Water Spots
It can be frustrating to see pesky water spots on your windshield right after a car wash. To get rid of them, make a vinegar solution with equal parts plain white vinegar and distilled water. Apply this solution to the water spots and let sit. After about one minute, rinse and dry the windshield with a dry paper towel.
Everyone hates standing out in the cold and slowly chipping away at ice on the windshield. One handy way to dissolve the ice quickly is to spray it with a rubbing alcohol* solution. Keep a spray bottle filled with ⅔ rubbing alcohol and ⅓ water in your garage. A quick spray across the windshield will dissolve the ice and, unlike regular water, it won’t refreeze to the glass.
Review What Not to Do When Attempting to De-Ice Your Windshield.
10. Wiper Marks
Clean windshield wiper streaks away using alcohol-based glass cleaner and a lint-free rag. It’s important to clean under the wipers. Then, spray a fresh rag with the glass cleaner, lift the wipers up and clean the blades. As you’re doing this, check the condition of the wiper blades. Streaking might be a sign that it’s time to replace them.
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Repair & Replacment
When an technician is booked with us we ensure we are with you within the same day. We provide the fastest times in London.
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We believe that vehicle glass repairs and replacements should be easy. The experience shouldn’t be stressful, but simple, convenient and prompt. That is why we are committed to Total Customer Satisfaction, focusing on engagement, innovation and quality to achieve this.
We are all dedicated to giving our customers the best service and working to exceptional standards; this is what we’re all about. A leading UK automotive glazing company, we are proud of our people and training, knowing they make our business the success it is!
Combined with our passion, we work relentlessly to give drivers reassurance and a great service when they have chipped, cracked or smashed glass.