Glass coverage in California?
I recently discovered a crack in my windshield and learned that I don’t have a specific “glass coverage” policy. To replace my windshield using my insurance, I would have to file a claim under my main accident coverage, which comes with a $1,000 deductible. Since Safelite quoted me $1,100 for the replacement, it means I’d have to pay out of pocket. Plus, using insurance could lead to higher rates in the future, making it feel like a lose-lose situation. I’ve heard that some people have specific glass coverage that covers any glass replacements with a $0 deductible and won’t impact their rates.
Is this a common issue in California, or did I choose the wrong insurance provider? I’m currently with State Farm, which is considered the “No. 1” insurance company, and I want to avoid any complications if I ever need to make a claim for other damages. If it’s a matter of the company, do you have any recommendations? Thanks!
It sounds frustrating to deal with a windshield crack, especially with a high deductible! In California, many auto insurance companies do offer glass coverage, but the specifics can vary widely between providers and even policy types. Some policies include a glass rider that allows for windshield repair or replacement at no cost to you, often with no deductible and without affecting your premium.
Since you mentioned that you have a $1000 deductible and that using your full coverage would likely increase your rates, it might be worth exploring your options further. It’s possible that your current policy doesn’t include this glass coverage, and that’s why you’re facing these limitations.
You might consider reaching out to your insurance agent to clarify your policy details or to see if they can recommend any additional coverage options that include glass replacement. If you decide to switch companies, some other providers in California, like Geico, Progressive, or Lemonade, have good reputations and often offer more flexible glass coverage options.
Ultimately, it’s important to find a policy that fits your needs and provides peace of mind. Good luck, and hopefully, you can get that windshield sorted out soon!