Does Auto Insurance Cover Window Replacement in Brandon, FL?

Does Auto Insurance Cover Window Replacement in Brandon, FL?

February 1, 2019

Nobody wants to deal with the cost and inconvenience of vehicle damage and automotive issues, but the situation can get even worse when insurance companies jump into the mix. There is a lot of confusion out there about what insurance covers, how to file a claim and how your rates might be affected when you get repairs covered by your insurance. If your car window is currently chipped, cracked or otherwise damaged, you might be wondering whether your insurance will cover window replacement in Brandon, FL.

Insurance coverage for windshields

The coverage that you receive from your insurance company for window replacement in Brandon, FL depends on how the damage to your glass occurred. Some insurance policies cover damage caused by hail, fire, falling debris or theft, while others only cover window repair or replacement if the damage occurred during an accident or collision. If you want to know what your insurance covers, you have to consider the terms of your policy. If you have comprehensive auto coverage, chances are, windshield replacement is covered, even if it wasn’t caused by a collision. The best way to find out exactly what your plan covers is to contact your insurance provider and ask them directly about the extent of your insurance coverage.

Other considerations

Even if your insurance covers windshield replacement, that doesn’t necessarily mean that it’s the right option for you. In fact, there are some situations in which it’s more expensive to go through your insurance company than to pay for the repair out of pocket. While it’s uncommon for insurance premiums to increase as a result of glass damage that’s unrelated to an accident, some insurance companies will bump up your premiums for this. In addition, if you have a deductible, you might end up paying for most, if not all, of the repair out of pocket anyway. You should do the math to help you decide whether it’s worth it to file a claim or if it makes more economic sense to handle your window replacement in Brandon, FL out of pocket.

To make the best decision, you should get all of the relevant information first. Contact your insurance company to find out about your coverage and your deductible and get a quote for your window replacement from a local technician. You can use this information to help you make a choice about your car that allows you to save the most money in the long run.

Learn more about window replacement in Brandon, FL

If you’re in the market for window replacement in Brandon, FL, reach out to Performance Pit Shop Tinting, Lighting, and Audio. Since 2012, we have been dedicated to providing exceptional services to boost your car’s aesthetic appeal, performance and value. Our team of certified technicians has the skills, training and tools necessary to provide you with a wide variety of services, ranging from window replacement and glass tinting to car accessory installation. If you want to find out more about everything that we have to offer or you want to get started with a free service estimate, simply give us a call today.

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