Short answer: if you carry comprehensive coverage on your auto policy, your windshield replacement is usually covered, minus your deductible. Reyes Glass Group works with most major insurance companies in California and Texas, handles the paperwork with your insurer, and comes to you to do the work.
Which part of your policy covers a windshield?
Glass damage from rocks, road debris, weather, falling objects or vandalism falls under comprehensive coverage, not collision. If the glass broke in a crash, it’s usually handled under collision along with the rest of the repair. Liability-only policies don’t cover your own glass.
- Comprehensive: rock chips, cracks, hail, storms, theft and vandalism
- Collision: glass broken in an accident
- Full glass coverage: an optional add-on some insurers sell that lowers or removes the deductible for glass. See glass coverage and deductibles.
Repair vs. replacement on a claim
Many insurers waive the deductible for chip repair because a repair costs them far less than a new windshield. If the damage is too big to repair, replacement goes through as a normal comprehensive claim and your deductible applies. Check your policy, or let us check it with you.
How a windshield insurance claim works with Reyes
- Call or request a quote. Give us your year, make, model or VIN, and your insurance company.
- We verify coverage. We help confirm your coverage and deductible before any work starts.
- We order the right glass. Matched to your VIN, including camera brackets and sensors.
- We come to you. Mobile replacement at home, at work or wherever the vehicle is parked.
- We handle the claim. We bill the insurer for the covered amount. You pay only your deductible, if any.
Many insurers route glass claims through a third-party claims administrator and suggest a “preferred” or “network” shop. In most states, including California and Texas, you have the right to choose your own glass shop. Tell your insurer you’d like Reyes Glass Group to do the work.
What about ADAS calibration?
If your car has a lane-keeping or collision-warning camera on the windshield, it needs ADAS recalibration after the new glass goes in. Because the vehicle maker requires it, calibration is often included in the same claim.
Insurance and cost guides
- Glass coverage and deductibles
- Windshield replacement cost and free quote
- Windshield replacement without insurance
- Our insurance partners and the insurance form
FAQ
Will a windshield claim raise my rates?
Comprehensive glass claims are generally treated as no-fault claims, so they’re less likely to affect your premium than an at-fault accident. Every insurer is different, so ask your agent if you’re unsure.
Do I have to use my insurance company’s preferred shop?
In California and Texas you can generally choose your own repair shop. The insurer may suggest one, but the choice is yours.
What if my deductible is higher than the cost of the glass?
Then it usually makes sense to pay out of pocket and skip the claim. We’ll quote both ways. See replacement without insurance.
Is the $500 deposit the same as my deductible?
For special-order glass we take a refundable deposit to secure the part. For most insurance customers, that amount works out to be their deductible.
