Will My Insurance Cover Windshield Replacement Colorado?

Getting your windshield replaced can be a significant investment, but it is an important one. You may be wondering if you can get your windshield replacement partially or totally covered by your insurance plan. Here are some things you should know if you are considering filing a claim for your windshield replacement costs. 

Filing a Claim 

Oftentimes, auto glass companies are happy to assist you in filing a claim for the cost of your windshield replacement. An experienced auto glass technician can handle all the communication and paperwork exchanged with your insurance company. If you are in need of insurance claim assistance, contact your local auto glass shop to ensure they offer the services. 

How Much Does a Windshield Replacement Cost? 

The cost of your windshield replacement depends on the quality of the new windshield and the features of your vehicle. In general, a windshield replacement can cost anywhere from $250 to over $1,000 depending on the factors mentioned previously. This cost includes removal of the old windshield and installation of the new windshield. Newer vehicles will need to have their windshield recalibrated after the installation as well.

Does Colorado Require Insurance Plans to Cover Windshield Replacement? 

Auto insurance companies in Colorado are required by law to offer the option of zero-deductible coverage for windshield replacements, but that does not mean that your current plan includes it. Comprehensive auto insurance plans often include windshield replacement coverage at higher premiums, but it is a good idea to double-check the details of your plan. 

Deductibles 

Sometimes, insurance plans have different deductibles for auto glass repairs and replacement. Sometimes, these deductibles are even lower than that of other repairs. It is important to be aware of what your plan covers and what your deductible is. 

Repairs vs Replacement 

Most insurance companies will cover repairs without meeting the deductible as repairs tend to be the most cost-effective option for your windshield damage. Repairs are not always possible, though. If your windshield has large cracks or chips, a replacement may be necessary to ensure your safety. 

Preferred Partners 

Oftentimes, insurance companies will have preferred auto glass shops that they cover. Under Colorado law, you have the right to choose which auto glass company performs your repairs or replacement. Many auto glass companies will work with any insurance company to get your auto glass services partially or fully covered by your comprehensive auto insurance plan. 

Filing a Claim

Filing a claim to your auto insurance should involve taking photos and providing extensive details about the damage. A reputable auto glass company will often assist you with this process, relieving you of the stress of dealing with your insurance company. 

Limits and Exclusions 

Some insurance companies have a limit to how much they will cover when it comes to auto glass repairs. Be sure to read your policy carefully to determine what and how much your auto insurance plan will cover. If you need more coverage, many auto insurance companies will provide more comprehensive options at a higher premium. 

Do You Need Insurance Claim Assistance For Your Windshield Replacement in the Aurora, CO area? 

If you are worried about the affordability of your windshield repairs or replacement, it may be a good idea to file an insurance claim through your auto insurance company. At Chip Pros, we offer assistance in filing your insurance claims. Our auto glass technicians are highly experienced with the claim-filing process and will handle all communication and exchange any necessary paperwork with your auto insurance company. If you are in need of an affordable windshield replacement or auto glass repairs in the Aurora, Thornton, Westminster, or Broomfield areas, contact us today!