A cracked windshield is stressful enough without trying to figure out your insurance policy. You don’t have to do it alone. Here’s how a windshield insurance claim works, step by step, and how Magic Glass helps.
Step 1: Check whether you have glass coverage
Windshield damage is usually covered under the comprehensive part of an auto policy, and some policies include specific glass coverage. If you’re not sure what you have, look at your policy’s declarations page or ask your insurance agent. You can also just call us, and our insurance specialist can help you find out.
Step 2: Know your deductible
If your windshield is covered, you’ll usually pay your deductible and your insurance pays the rest. If your deductible is high, or you don’t have glass coverage, it may make more sense to pay for the job yourself. Ask us for a cash price and compare it with your deductible before you decide.
Step 3: Repair or replace?
Chips smaller than a fifty-cent piece can usually be repaired. Many policies with glass coverage pay for chip repair, and a repair costs far less than a new windshield. Once we repair a chip, we guarantee it won’t crack out from that spot. If it does, the cost of the chip repair goes toward a replacement. Cracks, large chips and damage in the driver’s line of sight usually mean a replacement. We’ll look at it and tell you honestly. See windshield chip repair and windshield replacement.
Step 4: Let us help you file the claim
This is where Magic Glass makes it easy. We work with any and all insurance companies, and our dedicated insurance specialist handles glass claims for all three of our shops. She works with your insurance company and guides you through the claim from the first call to the finished job. When you call, have these handy:
- your insurance company and policy number
- your vehicle’s VIN, or its year, make and model
- where the damage is (windshield, door glass or back glass)
Step 5: Schedule the work
Once the claim is set, we’ll schedule your repair or replacement at our shop, or at your home, workplace or farm with our mobile service. If your vehicle has a camera behind the windshield, the required ADAS calibration is part of the job. When your replacement is covered, the calibration is often included in the claim.
Common questions
Will filing a glass claim raise my insurance rates?
Every policy and insurance company is different, so we can’t say whether a glass claim will affect your rates. Your insurance agent is the best person to ask.
Can I choose my own glass shop?
Yes. It’s your vehicle, and you get to pick where the work is done. If your insurance company suggests a different shop, tell them you’ve chosen Magic Glass. Don’t let anyone dictate where you get your glass fixed. Our insurance specialist can help from there.
What if I don’t have glass coverage?
Ask for a cash price. A chip repair costs far less than a replacement, so if the damage is small, come in soon before it spreads.
Is the work warrantied?
Yes. Our installations come with a workmanship warranty for as long as you own the vehicle. Keep your receipt, because we’ll need it for any warranty claim.
I’m an insurance agent. How do I send you a claim?
Use our Insurance Agent Quick Claim form. It goes straight to the shop your client chooses and to our insurance specialist.
Get started
Request a quote, or call your nearest shop: Lafayette, IN (765) 742-5081, Champaign, IL (217) 351-0900 or Danville, IL (217) 443-4527. A real person at your local shop answers. Learn more about insurance claims help at Magic Glass.