Cracked Windshield: Should I Pay Out of Pocket or File a Claim?
I have GEICO and glass coverage, but I’ve heard that filing a glass claim could lead to higher monthly premiums, even if it’s for something like a cracked windshield.
Is that actually true?
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It’s a common concern that making a glass claim could impact your insurance rates. However, with most insurance companies, including Geico, claims for glass repairs or replacements typically do not count against you in the same way that other claims can. In many states, glass coverage is treated differently, and many insurers offer this coverage with no deductible, which means you can resolve it without affecting your premiums.
That said, it’s always a good idea to check your specific policy details or contact Geico directly to confirm how they handle glass claims. They can provide personalized information based on your situation. If the cost of repair is minor and you feel comfortable paying out of pocket, that’s also an option to consider. Ultimately, weighing the cost of the damage against your premium rates will help you make the best decision for your situation.