I still remember the first time I experienced glass damage to my car. I was driving down a sunny highway, minding my own business, when smack—a stone flew up and cracked my windshield. After jumping out of my skin (the noise is much louder than you might think), I remember wondering what to do. Was this an insurance claim? After all, I hadn’t hit anybody or anything.
Age may not bring beauty, but it does provide experience. If I could go back in time, here are the three things I would have told my younger self:
1. Ask about glass repair versus glass replacement
Windshield damage doesn’t always require a full replacement, so don’t panic. Our preferred glass repair partner, Safelite AutoGlass, explains the difference between reparable and non-reparable damage in this short video:
2. Call your insurance company
Check in with your insurance provider to find out what your policy covers for glass damage and what, if any, deductibles may apply. A glass-only claim shouldn’t cause a rate increase by itself.
If you have comprehensive coverage with Progressive, you’re covered for glass-only claims. Some states even have zero deductible associated with glass replacement claims.
3. Don’t ignore the damage
A chip can turn into a crack, and a crack can balloon into a much bigger problem in no time. Plus, aside from keeping the bugs out of your face, your windshield is an important safety feature that helps keep your car’s cabin intact in the event of a collision and aids in the deployment of airbags. As part of your car’s safety system, any damage to your windshield should be taken care of as soon as possible.
In the end, I learned that glass damage isn’t the end of the world, especially when you follow these tips and address it right away.