DOES AUTO INSURANCE COVER AUTO GLASS REPLACEMENT IN CALIFORNIA
Learn About Auto Insurance Covering Your Auto Glass in California
California has some beautiful roads to drive on, but what happens when your auto glass gets damaged? A crack in a windshield is not only a nuisance, it can be dangerous to drive with a cracked windshield. Dealing with a broken car window, windshield or sunroof can be expensive to replace. If you have insurance, there is a chance your insurance will cover your auto glass. Learn about the common question we get about insurance coverage for auto glass. Your insurance will cover the damaged auto glass if you have the proper coverage. Let's look at the types of insurance coverage.
Liability Insurance Coverage
In California you can have lowest liability insurance coverage. This type of insurance is for covering damages you cause to others or their property. Liability insurance doesn't cover damages to your vehicle and will not cover the cost of replacing your damaged auto glass.
Comprehensive Insurance Coverage
Comprehensive insurance, often referred to as "full" coverage, typically covers damages to your vehicle caused by incidents other than a collision. This includes theft, vandalism, and windshield damage from non-collision events such as rocks, debris, or severe weather conditions such as a hailstorm. If you have comprehensive coverage as part of your auto insurance policy, it's likely that auto glass replacement and repair will be covered, subject to your deductible. In California if the windshield damage can be repaired instead of replacing the windshield, there may be no out-of-pocket cost to you for the repair. If replacing your auto glass is necessary, you'll have to pay the deductible out of the claim reimbursement money received. It is also important to know that deductibles vary depending on your policy.
Optional Auto Glass Insurance
Insurance providers may offer add-on auto glass insurance. When adding auto glass insurance onto your policy, you can get no deductible to a lower deductible than your comprehensive coverage. If you have a vehicle with expensive auto glass such as a Tesla, Mercedes, exotic sports cars, or large trucks, you may want to consider adding on auto glass to your comprehensive insurance policy.
What if My Vehicle Needs Windshield Calibration?
Most insurance providers will cover windshield calibration for newer vehicles with ADAS (Advanced Driver Assistance Systems). Your vehicle manufacturer requires ADAS to be calibrated whenever your cameras and sensors are disturbed. This can include getting a wheel alignment, a collision, and replacing a windshield. When replacing a windshield, having your windshield re-calibrated is something that is necessary to ensure your smart features such as lane departure, adaptive cruise control and other safety features function properly. To learn more about windshield calibration and ADAS,
click here.
What to do When Filing a Claim
If you have a broken car window, cracked windshield, or a sunroof that is leaking, you can
contact
the team at West Coast Auto Glass for assistance in filing your claim. Our team will do what they can to make the insurance claims process easy for you. Our auto glass company is certified in all personal and commercial auto glass, and windshield calibration for newer vehicles that need the ADAS re-calibrated to ensure your ADAS functions properly after a windshield replacement. If we can help you save money with an out-of-pocket repair versus paying a high deductible, we will offer you the option that is best for you. We are a preferred partner of all major insurance providers and hold all certifications that insurance providers require.
Learn more about insurance claims or
contact our team today for help with your auto glass repair needed in
Santa Rosa,
Healdsburg,
Petaluma, or anywhere in Sonoma County!
