Does Auto Insurance Cover My Windshield Replacement in Texas?

Collisions, vandals, and rocks flying out from under a truck’s tire are just a couple of ways your windshield can become cracked. If the size and location of that crack don’t fall within Texas regulations, you need to get your windshield repaired or replaced. 

We can help you assess what your insurance company can do for you and make the process simple and stress-free. Here are some steps that you can take when you have a crack in your windshield. 

Gather Evidence

If your damage is due to vandalism or an accident the first thing to do is contact the police. Get a report on the books and take pictures if applicable. This will be helpful when your auto glass professional helps you make a claim. 

Know Your Coverage

Do you have liability insurance? Or, do you have comprehensive insurance? The type of insurance you have matters. Liability only covers damage to other people and their property, so you would have to pay for the repair or replacement yourself. 

If you have comprehensive insurance, which is also known as full coverage, you may have a deductible, which is a set amount that you’re required to pay before the insurance company puts up money. Deductibles can be as low or high, depending on the policy. 

The state of Texas doesn’t require insurance companies to offer zero deductible options for windshield replacement. If you’re unsure, be sure to choose an Auto Glass specialist who will take over and do the hard insurance work for you. 

Get an Assessment

Is the crack small or large? Does the damage obstruct the driver’s view? Small cracks will get bigger over time plus, they can be fixed as opposed to getting a full replacement. These are all important questions and having a professional look at the damage is the best decision. 

Choose a Professional Windshield Company

When choosing an auto glass professional to help, you want the best. You want to make sure the job is done right and well, the very first time. You also want someone who will make the insurance part of it less of a hassle. No one wants to be on hold for ten minutes with an insurance company. 

Know the Cost

Getting an estimate from an Auto Glass company is essential. When you get a comparable price, you can feel confident in your choices.

Don’t Deal with the Insurance Company

It’s been said several times in this article to let the auto glass company deal with your insurance, and that’s for a good reason. A professional has experience dealing with insurance companies and making claims. This way, you can drop off your car, go about your day, and leave the negotiating to the professionals. 

Get it Replaced or Repaired

As we’ve said, even the smallest cracks can turn into larger problems if left unattended. It’s not a far reach to say that repairing a windshield would cost much less than a full replacement. If you have a small crack, repair it before it starts to get bigger. 

Looking for an Auto Glass Company to Replace or Repair your Cracked Windshield in West Texas?

As you’ve read, cracked windshields aren’t only a hassle, they can be dangerous. Odds are, you weren’t planning on spending your day trying to contact the insurance company to cover this damage. That’s why experts like us are here to not only help you get the best replacement windshield money can buy, but we’ll take the insurance headache away too. 

Here at AA&A Windshield and Glass, we are ready to serve vehicle owners in the Amarillo, Plainview, and Lubbock, Texas areas. We offer certified windshield replacement and repair services in the West Texas area, and provide insurance claims assistance for faster service. Check out our windshield replacement page to learn more about our services.