What difference is it making if I claim a windshield?

  • by ?
  • Jun 13,2018
  • 17 answers

So we just had a hail storm in Colorado Springs and my windshield got hit by a grapefruit sized ice ball. This is my first time in ten years with USAA making a claim and I have a $500 deductible. So what difference is it making if the windshield repair is $220 if I pay out of pocket or claim it through insurance if either way I m paying $220? Lets say I make a claim a week from now for a $1500 repair, will I only pay $280 and insurance covers rest? If that is the case, how long till the deductible resets? Every time the policy renews?


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Insurance Answers (17)

STEVEN F 5 days ago

Auto insurance deductibles are PER CLAIM.
They 'reset' instantly.
That said, if your vehicle was hit by a grapefruit sized hailstone, It was hit be SEVERAL large balls of ice and the windshield is the LEAST of the damage.

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car253 5 days ago

Someone from Colorado may know the answer. Rules are different with every state and every company.

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Casey Y 7 days ago

The deductible is for every claim. Sounds like you don't like deductibles...but I'm sure you wouldn't mind forking over $500 if they were going to pay out $10k to cover a totaled vehicle...

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lucy 7 days ago

Anytime you call your insurance to file a claim, they will always have a prompt just for glass claims. In most companies the deductible is low, like $50 or $100 vs the standard of $500 for collision and comprehensive claims.
In some states glass coverage is required by law and that the insurance does (not) have a deductible and I googled and CO is not one of them. (AZ, FL, KY, MA, SC) are the states that require with no deductible.
The other good news, since it is glass then you are never charged a surcharge for filing a claim.
So if you can't find your deductible for glass, then call your insurance and they will let you know. If for instance a $100 deductible, then you only pay $120 for the repair.

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StephenWeinstein last week

The deductible for car insurance reset for every claim. If you make a claim a week from now for a $1500 repair, you will pay $500 for the deductible on that claim -- plus you'll pay more in premiums for having your insurance for the next few years because you've made two claims.
The difference between paying out of pocket and making a claim through insurance is this: If you pay out of pocket, then you pay only $220. But if you make a claim through insurance, then you pay $220 for the repair plus you also pay however much they raise the price of having your insurance.

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curtisports2 last week

The deductible applies to each and every claim. You will pay $220 for the windshield because it's below the deductible. If you file a separate claim for a $1,500 repair, it will cost you $500. You should take a closer look at your policy. On my policy, deductible does not apply to auto glass. I have full glass coverage.

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g last week

Why would you pay your set deductible if your cost to replace the windshield is less? That simply does not make sense. To add to that, your insurer would then have you on record for filing a not at fault claim. In general, not a fault claims do not cause a insurance price rate increase but as claims add up they most certainly will.

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Judy last week

The deductible is\\applies to for each claim.

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? last week

Read your contract. Look for:
1. Glass coverage is part of Comprehensive but may have a separate deductible. If so, usually it is $0 because windshield damages are safety issues that need to be corrected.
2. Comprehensive claims rarely cause a premium increase as the type of claims are outside the insured's control.
If you still have questions after you have read your contract, call your agent. USAA is a good and solid company.

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Zarnev last week

Most USAA policies have glass coverage separate from your comprehensive coverage. If yours does your windshield will be replaced at no cost to you, deductible does not apply to glass coverage in most cases.

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Eva last week

The deductible applies per incident. If your claim is less than your deductible, don't file the claim. Even if they don't have to pay, your rates will go up. In the scenario you describe, you would get nothing on the first incident and the insurance company would pay $1000 on the second.

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David 14 last week

Wow...the deductible is per claim. If the windshield is $220 you must pay it yourself as it's under your deductible. If you have a $1500 claim, they will pay $1000 and you pay 500. I can't explain it any simpler.

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Elaine M last week

Ask your agent, find out if damage for the year is cumulative or on a separate basis for each report.

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Observer last week

Deductible amounts are per incident . So you would have a $500 deductible for the windshield and another $500 for the other repair.

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dewcoons last week

Depends on the policy. Some have a $500 deductible for EVERY claim. Others have a total of $500 then it covers everything. This is a question to ask your agent. It will depend on the terns of your policy.
If it is a $500 every time, then do NOT file a claim. It could raise your rates and not cover anything.

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P last week

This isn't like health insurance. The deductible applies per claim\incident, so you don't get it reduced for the "next" claim. Some insurance may offer some exceptions for the windshield so you should call and ask.

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David B last week

Your rates ( monthly premiums ) are determined in part by the deductible you choose. In your example, you willhave to pay for all of the windshield repair as you haven't added windshield coverage ( I assume). The $1500 repair would require you to pay $500 deductible as well. Deductibles are not cumulative with auto insurance policies.

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