Windshield Damage: Should I Pay Out of Pocket or File a Claim?
I have GEICO and my policy includes glass coverage. I’ve heard that filing a claim for glass repair can lead to increased monthly premiums, even if the claim is for something minor. Is there any truth to this?
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It’s a common concern among drivers about how making a claim, even for something like a cracked windshield, might affect their insurance rates. With Geico and many other insurers, glass claims can be treated differently than other types of claims.
Glass Coverage: Since you have glass coverage, your repair or replacement might be fully covered with no deductible, depending on your policy. This is usually a good reason to file a claim rather than paying out of pocket.
Effect on Rates: While some insurers may potentially raise rates after any claim, others, including Geico, often state that glass claims do not impact your premium. It’s worth reviewing your specific policy and discussing this directly with Geico to get the best information.
Consideration: If the cost of repairing the windshield is significantly less than what you might pay in higher premiums down the line, paying out of pocket could be a better option.
Ultimately, it’s a good idea to contact Geico for clarification on how they handle glass claims and their impact on your rates. This way, you can make the most informed decision based on your specific situation.