How To Get The Insurance Deductible For Windshield Replacement Waived

There are three common situations in which a car glass repair shop may choose to waive your deductible for a windshield replacement: 

• Your collision insurance covers the windshield replacement. 
• Your comprehensive car insurance policy includes coverage for a new windshield. 
• You live in a state that mandates a 'zero-deductible' policy for windshield replacement. 

You might have come across advertisements for car glass replacement services that claim to waive your deductible, and you may wonder how this is possible or whether it's a questionable practice. This article aims to clarify these questions.

To understand deductible waivers, it's essential to grasp the concept of a deductible. In car insurance, the deductible is the amount a policyholder must pay out of pocket for repairs after an accident. For instance, if your repair costs total $5,000, and your deductible is $500, you would pay $500, and your insurance would cover the remaining $4,500.

Deductibles for car insurance typically range from $100 to $2,000, making offers to waive them quite appealing.

Let's delve deeper into the three scenarios where your insurance deductible for a windshield replacement might be waived:
 

• Collision Insurance Coverage: If another driver is responsible for an accident that damages your windshield, standard collision insurance should cover the repair, including the deductible amount. 
• Comprehensive Insurance Coverage: Comprehensive insurance policies often include coverage for car glass repair or replacement. This coverage extends to various scenarios like break-ins, vandalism, natural disasters, falling objects, hail damage, and damage caused by animals. In some cases, comprehensive coverage may even waive the deductible for windshield repair or replacement. Check your policy to see if a deductible applies in these situations. 
• Zero-Deductible States: Three states—Massachusetts, Florida, and South Carolina—require car insurance companies to automatically waive deductibles for windshield replacement. These states aim to promote vehicle safety and discourage driving with damaged windshields by mandating that comprehensive policies cover the entire cost of glass replacement. 

Addressing Common Misconceptions about Waived Deductibles:

Some misconceptions surrounding waived deductibles include claims of illegality or unethical practices, such as inflating repair estimates or impacting insurance company profits. However, the three situations mentioned above are legitimate ways to waive the deductible for windshield replacement.

It's also important to dispel worries that an offer to waive the deductible indicates questionable business practices, like overcharging for windshield replacement or using low-quality glass. These concerns are not necessarily true.

As a consumer, you can take steps to protect yourself:
 

• Verify the validity of the offer by comparing the estimated price with quotes from other car glass replacement shops to determine a fair market price. 
• Check if there's a limit to the deductible amount they're willing to waive. 
• Research the company's reputation by consulting the Better Business Bureau and online customer reviews. 
• Inquire about any warranties offered by the auto glass shop for their work. 

At Yuma Auto Glass & Window Tint, we prioritize transparency and quality service. We have built our reputation over 25 years without relying on sales gimmicks or catchy deals.

If you have questions about insurance coverage for windshield replacement or repair, feel free to contact us at (928) 581-7099  or use our 'Contact Us" request form.