Will Insurance Cover My Windshield Replacement?

Hey folks! This is John from Freedom Auto Glass LLC.

Welcome to another Q&A session where I answer questions from you all on the internet.

Today's question is:

"Will Insurance Cover My Windshield Replacement?"

Summary:

John explains that insurance coverage for windshield replacement varies significantly between companies, each with its own policies and standards, and depends heavily on the coverage the customer selected. He notes that a zero-deductible policy typically means the work is covered. He also points to glass programs offered by some insurers, which may include a set number of free windshields per year. Because of the wide variation, he advises customers to contact their insurance company directly and review their specific policy to understand exactly what is covered. He's candid that he can't determine an individual's coverage for them, but observes that many customers do find their windshield work covered through zero-deductible plans or dedicated glass programs, depending on the details of their policy.

Answer:

That one really varies from insurance company to insurance company — they're all a little different. Every company has its own policies and standards, and a lot of it also comes down to what coverage you personally picked when you set up your insurance. For example, if you have a zero deductible, then yes, they'll typically cover it. Some insurance companies also offer a glass program, and if you have that, you might get a certain number of free windshields per year. But all of this is really according to your specific insurance and your specific policy. The best thing to do is talk to your insurance company directly and go through your policy so you know exactly what you've got. I can't tell you what your particular plan covers, because there's so much variation out there, but in general, between zero-deductible coverage and dedicated glass programs, a lot of customers find their windshield work is covered. It just depends on the details of what you signed up for.