Unfortunately, driving frequently can lead to damage to your windshield. However, Progressive will pay for the cost of a new or repaired windshield so that you can get back on the road as soon as possible.
While Progressive will pay for the cost of any windshield repairs, you will be responsible for paying your deductible if you need a new windshield.
However, costs associated with glass replacement vary widely depending on where you call home. Some states provide free glass repair services, including Florida and South Carolina.
Investigate Progressive’s windshield replacement options and figure out how much protection you’ll need in the event of a broken windshield. To discover more keep on reading this article.
In the event of a broken windshield, Progressive’s All-Inclusive Protection Plan will pay for the cost of repair
If you have full coverage with Progressive, they will pay to fix or replace your windshield if it is damaged or broken.
Theft, vandalism, fire, hail, flood, animal collisions, and other non-collision-related incidents are covered by comprehensive insurance, which is an additional type of auto insurance. Your windshield and other auto glass are protected as well.
If you have full coverage with Progressive, which includes comprehensive coverage, then Progressive will pay to have your windshield fixed or replaced if it is damaged in an accident.
However, if you only have liability coverage, Progressive will not pay to have your windshield fixed or replaced. While vehicle registration in every state is mandated, comprehensive insurance is not.
In what ways does Progressive pay for windshield replacement?
Depending on what caused the windshield to crack, Progressive may pay to repair or replace it under your comprehensive or collision policy.
When your windshield is broken because of hail, hitting a deer or another large animal, or falling debris, your comprehensive coverage will kick in to help pay for the repairs. As long as you meet your comprehensive coverage deductible (typically $250), Progressive will pay for the rest of the expenses associated with replacing your windshield.
If your windshield was broken in an accident, your collision coverage would pay for the repairs. You could file a claim under your Progressive collision coverage if you were at fault for the collision. After you’ve paid your collision deductible (around $500), Progressive will pay for the rest of the repairs needed to get your car back to its pre-accident condition. The other driver’s insurance company would be the one to contact if they were found to be at fault.
To avoid dealing with the other driver’s cheapest car insurance company, drivers in no-fault states always go through their own. The no-fault car insurance system is in place in 12 states: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.
When Is Your Deductible Due?
It’s possible that your windshield won’t require your deductible payment, but that’s contingent on the severity of the damage.
When replacing a windshield, you do not have to worry about meeting your deductible. Progressive will pay for it in full, deductible if your windshield can be fixed. A windshield replacement will typically cost more than your deductible. There will be no deductible to pay because Progressive will cover all damages.
If your windshield cracks and needs to be replaced, you will be responsible for paying your deductible out of pocket. After you’ve paid your comprehensive or collision deductible, Progressive will pay for the rest of the cost to replace your windshield.
However, if you call the states of Florida, Kentucky, or South Carolina home, your windshield repairs or replacements will always be covered 100% of the time. Insurance companies in those states must pay for necessary windshield repairs or replacements without charging a deductible.
The same is true for the requirement that insurers in five states provide coverage for broken glass. Your Progressive policy’s full glass coverage comes with no deductible. Full-glass coverage is mandatory in Arizona, Connecticut, Massachusetts, Minnesota, and New York, and Progressive may voluntarily provide it in other states.
How do I make a windshield claim with Progressive?
You can report a claim including windshield damage with Progressive by contacting them at 1-800-776-4737, logging in to your account on the website, or using the mobile app. Most glass claims are processed in less than 48 hours by Progressive.
Mobile windshield replacement and repair can be done in as little as 30 minutes. However, windshield replacement requires a trip to a service center.
Quickly filing a claim is essential before further damage is done to your windshield. If your windshield is already cracked, it’s possible that it could shatter completely.
This not only reduces your safety in an accident but can lead to the need for a new windshield rather than a repair.
If your windshield is severely damaged, it’s best to park under cover, like a garage, and cover the broken glass with a tarp or plastic to keep the interior dry.
Remember that your auto insurance premiums might increase if you make a claim. Contact Progressive and ask if your premiums will increase or decrease.
Conclusion
Auto glass can be damaged in several ways, including collisions, vandalism, hail, and more, all of which require full and affordable auto insurance coverage. Your collision and comprehensive coverages will replace any broken glass in your windshield.
If you sustain an injury during your auto accident you can find auto accident lawyers who can help you navigate the legal system after an auto accident.
