Will Replacing a Windshield Raise Insurance Premiums? Here’s the Straight Dope

Generally, no, replacing a windshield will not directly raise your insurance premiums. However, the situation isn’t always black and white, and several factors can influence the outcome.

Understanding Windshield Claims and Your Insurance

Let’s cut through the noise and get down to the nitty-gritty of windshield replacement and its potential impact on your insurance rates. As a seasoned insurance veteran, I’ve seen countless windshield claims processed, and I can tell you that the insurance industry typically views windshield repairs or replacements differently than, say, a collision claim. The main reason? Comprehensive coverage.

Comprehensive Coverage: Your Shield Against Flying Pebbles

Most auto insurance policies offer comprehensive coverage, also known as “other than collision” coverage. This coverage protects your vehicle from damages caused by events outside of your control, such as weather events, vandalism, theft, and, crucially, flying debris that cracks or chips your windshield. Because windshield damage falls squarely under the umbrella of comprehensive coverage, filing a claim for repair or replacement usually doesn’t impact your premiums the same way an at-fault accident would.

Here’s why: Insurance companies understand that windshield damage is often unavoidable. It’s a common risk, especially on highways and in areas prone to severe weather. Penalizing drivers for these unavoidable incidents would be bad business and would lead to unhappy customers.

The Devil’s in the Deductible: A Critical Consideration

While a windshield claim usually won’t directly raise your premiums, your deductible plays a significant role. Your deductible is the amount you pay out-of-pocket before your insurance coverage kicks in. If your windshield replacement cost is less than your comprehensive deductible, filing a claim simply doesn’t make sense. You’ll end up paying the full cost yourself.

For example, if your deductible is $500, and the windshield replacement costs $400, you’re better off paying the $400 yourself. Filing a claim would be pointless and could potentially flag your account, even if it doesn’t lead to an immediate premium increase.

The Rare Exception: Multiple Claims and Risk Profiling

Now, for the caveat. While a single windshield claim is unlikely to increase your premiums, multiple claims within a short period might. Insurance companies use sophisticated risk profiling algorithms. If you file several comprehensive claims (including windshield replacements) within a year or two, the insurer might flag you as a high-risk driver. This doesn’t necessarily mean your premiums will increase, but it could influence your rates upon renewal.

Think of it like this: one flat tire is an inconvenience. Four flat tires in a month suggest a pattern, possibly poor tire maintenance or risky driving habits. Insurance companies see multiple claims similarly. They are looking for patterns of risk.

Furthermore, it’s also important to understand your state laws. Some states have laws that specifically prohibit insurance companies from raising premiums solely due to windshield claims. However, these laws vary widely.

What About Windshield Repair? Is That Different?

Absolutely. Windshield repair (filling small chips or cracks) is even less likely to affect your premiums than a full replacement. Many insurance companies offer waived deductibles for windshield repair, meaning they’ll cover the entire cost without you having to pay anything. This encourages drivers to repair minor damage quickly, preventing it from spreading and requiring a more expensive replacement later.

Factors That Can Influence Your Insurance Rates

While a windshield claim may not be the direct culprit, several other factors can influence your insurance premiums, regardless of whether you file a claim:

• Driving Record: Tickets, accidents (especially at-fault accidents), and DUI convictions have the most significant impact on your rates.
• Credit Score: In many states, insurance companies use your credit score to assess risk. A lower credit score can lead to higher premiums.
• Location: Urban areas with higher rates of theft and vandalism tend to have higher insurance costs than rural areas.
• Vehicle Type: Expensive vehicles and those prone to theft often have higher premiums.
• Coverage Levels: Choosing higher coverage limits and adding optional coverages will increase your premiums.
• Insurance Company: Different insurers have different pricing models. Shopping around for quotes is always a good idea.

Final Words of Wisdom

Windshield damage is a frustrating but common occurrence. Before filing a claim, carefully consider your deductible and the cost of the repair or replacement. If the cost is close to or below your deductible, paying out-of-pocket is generally the best option. And remember, maintaining a clean driving record and shopping around for insurance quotes regularly are the best ways to keep your premiums low.

Frequently Asked Questions (FAQs)

Here are some frequently asked questions regarding windshield replacement and insurance premiums:

1. My windshield has a small chip. Should I file a claim?

If the chip is small (smaller than a quarter) and your insurance company offers waived deductibles for windshield repair, it’s usually a good idea to file a claim. They will likely send someone to repair it at no cost to you. This prevents the chip from spreading and requiring a full replacement later.

2. My deductible is $1,000. Is it worth filing a windshield replacement claim?

Probably not. Windshield replacements typically cost between $200 and $600, depending on the vehicle. Paying the cost out-of-pocket will save you the hassle of filing a claim and potentially flagging your account.

3. Will my insurance company require me to use a specific windshield repair shop?

Legally, you usually have the right to choose your own repair shop. Insurance companies can recommend shops, but they can’t force you to use one you’re not comfortable with. Be wary of shops that aggressively solicit your business after an accident; these are sometimes preferred shops by insurance companies, however, make sure they do a thorough and quality job.

4. I live in [State Name]. Are there specific laws regarding windshield claims?

Yes, some states have laws that prohibit insurance companies from raising premiums solely due to windshield claims. Research your state’s specific laws to understand your rights. Contacting your state’s insurance department or consulting with a legal professional can provide clarity.

5. How long does a windshield replacement claim typically take?

The timeframe can vary depending on the insurance company and the complexity of the claim. However, most windshield replacement claims are relatively straightforward and can be processed within a few days.

6. What information do I need to file a windshield replacement claim?

You’ll typically need your insurance policy number, vehicle information (make, model, year), and details about how the damage occurred (location, date, time). Photos of the damage can also be helpful.

7. Will a windshield claim affect my “safe driver” discount?

Generally, no. Since windshield claims fall under comprehensive coverage and are typically considered no-fault incidents, they shouldn’t impact your safe driver discount.

8. My insurance company is suggesting “OEM” (Original Equipment Manufacturer) glass. Is that necessary?

OEM glass is manufactured by the same company that made the original windshield for your vehicle. While OEM glass is often higher quality, it’s also more expensive. Your insurance company may suggest aftermarket glass, which is manufactured by a different company. Aftermarket glass can be just as safe and effective, and it’s usually more affordable. The necessity depends on your preference and what your insurance policy covers. Some policies cover only the aftermarket glass.

9. Can I repair a windshield myself?

While DIY windshield repair kits are available, it’s generally best to leave repairs and replacements to professionals. Improper repairs can compromise the structural integrity of the windshield and potentially endanger you and your passengers.

10. If I have comprehensive coverage, am I automatically covered for windshield replacement?

Yes, comprehensive coverage typically includes windshield replacement. However, you’ll still be responsible for paying your deductible.

11. Will filing a windshield claim appear on my Carfax report?

No, windshield claims are generally not reported to Carfax. Carfax primarily tracks accidents that result in significant damage and are reported to law enforcement.

12. Is it better to have a zero-deductible comprehensive coverage?

While a zero-deductible comprehensive coverage means you won’t have to pay anything out-of-pocket for covered claims, it also means you’ll pay a higher premium. Weigh the cost of the higher premium against the potential savings in the event of a claim. For many, a higher deductible is more cost-effective in the long run.