When your windshield is damaged, the first thought that pops into your head is probably “how much is this going to cost?” When a crack, chip, or break happens, you should not consider putting off repair or replacement based on the cost. Although replacement can be costly, driving with a damaged windshield can be very unsafe.
There are a few different options when it comes to paying for your windshield to be replaced, so you can find a solution that suits your needs. Your windshield can be replaced without or with an insurance claim. Let’s take a look at the solutions.
Windshield Replacement Cost Options
Pay with Insurance
People often do not realize that their windshield replacement cost is covered by their vehicle insurance. Check with your insurance company whether windshield replacement is included in your policy and if there is a deductible amount that you will need to pay. Many windshield replacement companies work closely with insurance companies and can do the insurance claim on your behalf.
The out-of-pocket amount that you may need to chip in will depend on how bad the damage is, where the chip or crack is located, and what type of car you have. If the damage will not affect your safety and visibility by being repaired, your insurance will typically cover that cost. However, if the crack or chip cannot be repaired, your windshield will need to be replaced.
You are responsible for paying any outstanding amount that is not covered by your insurance, or if the replacement cost is below what the deductible amount is. This is normally the simplest option for most vehicle owners as the amount that you need to pay in is often quite low and very manageable.
Pay on Your Own
If you decide not to file an insurance claim, or you do not have comprehensive vehicle insurance, you will have to pay the windshield replacement cost on your own. The cost of replacement will vary based on the extent of the damage and the type of vehicle you have.
It is advisable that you get a few quotes from various replacement shops to see who can offer you the best deal. Bear in mind that if you leave your windshield with the cracks in it, you are compromising the safety of everyone in the vehicle as well as those on the road around you.
Although replacing your windshield is not cheap, driving with a damaged windshield may result in a traffic fine, an accident, or a collision due to poor visibility. Spending the money to replace your windshield may be an inconvenience now, but it can mean the difference between life and death.