Does Auto Insurance Cover Windshield Replacement in New York?

Extensive damage to your windshield can happen for a variety of reasons, from extreme weather conditions to road debris. Understanding how auto insurance coverage works is important, especially in the case of unexpected expenses such as a windshield replacement. If you live in New York and have auto insurance, you may qualify for coverage on your windshield replacement. 

Comprehensive Insurance Coverage For Auto Glass Replacement or Repairs in New York

Comprehensive insurance, often referred to as "full" coverage, typically covers damages to your vehicle caused by incidents other than a collision. This includes theft, vandalism, and windshield damage from non-collision events such as rocks, debris, or severe weather conditions such as a hailstorm. If you have comprehensive coverage as part of your auto insurance policy, it's likely that auto glass replacement and repair will be covered, subject to your deductible. In New York, if the windshield damage can be repaired instead of replacing the windshield, there may be no out-of-pocket cost to you for the repair. If replacing your auto glass is necessary, you'll have to pay the deductible out of the claim reimbursement money received. It is also important to know that deductibles vary depending on your policy.

Will My Insurance Cover Windshield Calibration?

If you own a newer model vehicle equipped with ADAS (Advanced Driver Assistance Systems), you will need a windshield calibration after a windshield replacement. ADAS technology powers many safety features that keep drivers safe, such as collision warning, emergency braking, lane departure and much more. Windshield calibration ensures your ADAS safety features are functioning properly to keep you safe on the road. Most insurance providers will cover windshield calibration for vehicles with ADAS. 

Need Assistance With Filing an Insurance Claim?

If you need a windshield replacement in Amsterdam, NY or The Capital Region, contact Craftsman Auto Glass for assistance in filing your claim. Our team is dedicated to providing you with a stress-free insurance claims process. We work directly with all insurance providers to provide faster service for your windshield replacement. Our certified auto glass shop provides windshield replacement and windshield calibration services to ensure your safety on the road. Click here to learn more about insurance claims. Contact us today for any of your auto glass needs in Clifton Park, Saratoga Springs, Albany, Johnstown, or anywhere in the Capital Region!