Windshield Repair vs. Insurance Coverage: What Costa Mesa Drivers Need to Know

Costa Mesa Mobile Auto Glass

2450 Newport Blvd. #244, Costa Mesa, California, 92627

(949) 432-4699

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For many Costa Mesa drivers, dealing with a damaged windshield brings up questions about insurance coverage. At Costa Mesa Mobile Auto Glass, we often field inquiries about how insurance factors into windshield repair. Let's break down what you need to know.

1. Comprehensive Coverage:
   • Most windshield damage falls under comprehensive coverage in your auto insurance policy.
   • This type of coverage typically includes damage from rocks, debris, vandalism, or weather events.
2. Deductibles:
   • Many insurance companies waive the deductible for windshield repairs (as opposed to full replacements).
   • This is because repairs are less expensive and can prevent more costly replacements down the line.
3. Full Glass Coverage:
   • Some policies offer "full glass coverage," which typically covers both repairs and replacements with no deductible.
   • Check if this option is available in your Costa Mesa auto insurance policy.
4. Impact on Premiums:
   • In most cases, filing a claim for windshield repair won't significantly impact your insurance premiums.
   • However, multiple claims over a short period might affect your rates.
5. Out-of-Pocket vs. Insurance:
   • Given that windshield repairs are often relatively inexpensive, some Costa Mesa drivers choose to pay out-of-pocket to avoid potential premium increases.
   • Consider the cost of the repair against your deductible and potential long-term premium impacts.
6. Mobile Service Coverage:
   • Most insurance policies that cover windshield repair will also cover mobile service.
   • This means you can take advantage of our convenient mobile repair service in Costa Mesa without additional out-of-pocket costs.
7. Documentation:
   • Always document the damage with photos before repair, especially if you're filing an insurance claim.
   • At Costa Mesa Mobile Auto Glass, we can provide detailed documentation for your insurance company.
8. Time Sensitivity:
   • Don't delay in addressing windshield damage. Some insurance policies may not cover damage that has clearly been left unaddressed for an extended period.
9. OEM vs. Aftermarket Parts:
   • If replacement is necessary, discuss with your insurance provider whether they cover OEM (Original Equipment Manufacturer) parts.
   • At Costa Mesa Mobile Auto Glass, we can work with your insurance to ensure you get the appropriate parts for your vehicle.
10. Professional Repair Importance:
    • Insurance companies typically prefer (and sometimes require) that repairs be done by certified professionals.
    • Our technicians at Costa Mesa Mobile Auto Glass are fully certified and experienced in working with all major insurance providers.

Remember, every insurance policy is different, so it's crucial to review your specific coverage or speak with your insurance agent. At Costa Mesa Mobile Auto Glass, we're experienced in working with various insurance companies and can often help you navigate the claims process.

If you're unsure about your coverage or need assistance with an insurance claim for windshield repair, don't hesitate to reach out to us. We can provide a free quote and help you understand your options.

Contact Costa Mesa Mobile Auto Glass today at (949) 432-4699 or visit us at 2450 Newport Blvd. #244, Costa Mesa, California, 92627. Let's ensure your windshield is repaired properly and your insurance benefits are maximized!