Does Allstate Cover Windshield Replacement?
Last Updated on January 3, 2022
If you have a broken windshield, then your Allstate insurance policy could cover replacements and repairs.
Allstate’s Auto Glass Claim Express will repair or replace a windshield, allowing you to get safely back on the road without spending hundreds of dollars. However, not all Allstate policyholders have windshield replacement coverage.
Does your Allstate policy cover windshield replacement? How much should windshield repairs and replacements cost with Allstate? Keep reading to discover everything you need to know about Allstate windshield replacements and how they work.
Table of Contents:
- All Allstate Comprehensive Coverage Policies Cover Windshield Replacement
- Allstate Auto Glass Claim Express Coverage Features
- Do I Pay a Deductible for Allstate Windshield Replacement?
- How Windshield Replacement and Repair Claims Work
- Do I Have Comprehensive Coverage with Allstate?
- How Allstate Covers Chip and Crack Repairs
All Allstate Comprehensive Coverage Policies Cover Windshield Replacement
If you have an Allstate car insurance policy with comprehensive coverage, then your policy comes with Auto Glass Claim Express coverage, which covers windshield replacement.
With Allstate’s Auto Glass Claim Express coverage, you can choose from over 7,200 repair shops nationwide, contact a representative 24/7, and easily schedule windshield replacements.
Allstate’s Auto Glass Claim Express coverage is designed to cover windshield replacement. If your windshield has been severely cracked or damaged, then it’s no longer safe to drive. By contacting Allstate’s Auto Glass Claim Express service, you can quickly replace your windshield and have Allstate cover most of the cost.
Like other insurers, Allstate requires you to pay your deductible before covering the full cost of windshield replacement. You should pay a deductible of around $250, and Allstate covers all remaining windshield replacement costs (unless you live in South Carolina, Florida, or Kentucky, where state laws prohibit insurers from charging a deductible for windshield replacements).
Allstate Auto Glass Claim Express Coverage Features
Allstate’s Auto Glass Claim Express coverage comes with the following features and benefits:
- Contact an Allstate Glass Claim Express representative 24/7
- Choose from over 7,200 repair shops nationwide
- Easily schedule an appointment at a location convenient to you (some repair shops even send someone to your home or office, depending on your vehicle’s repair requirements)
- Workmanship guarantee on all windshield replacements
Do I Pay a Deductible for Allstate Windshield Replacement?
Allstate will cover most of the cost of replacing or repairing your windshield, assuming you have comprehensive coverage. However, you may need to pay a deductible, which could be anywhere from $100 to $250.
Confused about deductibles and windshield repairs? Here’s how they work:
- Allstate waives the comprehensive coverage deductible for windshield repairs
- However, drivers need to pay their comprehensive coverage deductible (typically around $250) for full windshield replacement
- Three states (Florida, Kentucky, and South Carolina) forbid insurers from charging a deductible for windshield replacements; if you are an Allstate customer in these three states, then you will not pay a deductible, and Allstate will cover the full cost of windshield replacement at no cost to you
- You may be able to choose a $0 deductible for glass repairs option on your policy; if you added this option to your policy, then you will not pay your deductible for windshield replacement
Overall, most drivers will pay a deductible for windshield replacements. However, Allstate should cover basic windshield repairs without requiring a deductible.
How Windshield Replacement and Repair Claims Work
Windshield replacement and repair claims work differently depending on how the damage occurred.
Environmental Damage, Hit and Run, Hailstorm, and Gravel on Road – Comprehensive Coverage: You make a claim through your Allstate comprehensive coverage for most windshield replacement and repair claims. If your car’s windshield was damaged by tree branches, weather, gravel on the road, rocks, or similar things, then you make a claim through your Allstate comprehensive coverage.
Accident Where You Were At Fault – Collision Coverage: If you collided with someone and are at fault, then you could make a claim for windshield replacement through your own collision coverage. Allstate’s collision coverage covers the cost of repairing your own vehicle after an accident. You pay your collision coverage deductible (typically around $500 to $1,000), and Allstate covers all remaining costs of repairing your vehicle to pre-loss condition, including repairing or replacing your windshield if necessary.
Accident Where the Other Driver Was At Fault: If you damaged your windshield in an accident where the other driver was at fault, then you can make a claim through the other driver’s insurance policy. Because the other driver was at fault, the other driver’s insurer will cover the cost of repairing your vehicle to pre-loss condition. You file a claim through the other driver’s insurer. The other driver may pay a deductible, and the insurer will cover the cost of repairing or replacing your windshield.
Do I Have Comprehensive Coverage with Allstate?
If you have comprehensive coverage with Allstate, then Allstate should cover the cost of repairing or replacing your windshield.
However, comprehensive coverage is optional in all states. It’s not part of basic liability coverage. If you have a minimum liability plan with Allstate, then Allstate may not cover your windshield damage; instead, you need comprehensive coverage to cover windshield damage.
Check your declarations page to see if you have comprehensive coverage with Allstate. Your car insurance declarations page will state your deductible, coverage limits, and types of coverage.
Comprehensive coverage is one of three main parts of a full coverage car insurance policy:
Liability Insurance (Required): Nearly all states require both bodily injury and property damage liability coverage, which cover damages you inflict on other people when driving your vehicle. Liability coverage covers medical bills, vehicle repair costs, and other expenses.
Collision Coverage (Optional): Collision coverage is optional in all states and covers damage to your own vehicle after an accident where you were at fault. If you collided with someone else and were at fault, for example, then you can make a claim through your Allstate collision coverage policy to repair damage to your own vehicle.
Comprehensive Coverage (Optional): Comprehensive coverage covers damage that occurs outside of accidents, including theft, vandalism, storm damage, fire damage, flood damage, and windshield damage. If you drive an older vehicle, then you may want to drop comprehensive coverage because it’s unnecessary. However, most drivers carry comprehensive coverage on newer or more valuable vehicles for added protection.
How Allstate Covers Chip and Crack Repairs
Allstate covers windshield replacement similar to other insurers: you pay your deductible (in most states), and Allstate covers all remaining costs of windshield replacement.
What happens if you only have a crack or chip in your windshield? Does Allstate cover crack or chip repairs?
If you have comprehensive coverage with Allstate, then Allstate will waive your deductible for crack and chip repairs. Instead of paying a $250 deductible for your comprehensive coverage claim, for example, you pay nothing, and Allstate covers the full cost of repairing chips and cracks in your windshield.
Contact Allstate to find a windshield chip and crack repair center near you.
Final Word on Allstate Windshield Replacement
Allstate covers windshield cracks, chips, and replacements for drivers with comprehensive coverage.
If you have a broken windshield, then you can contact Allstate to find a repair shop near you. You pay your deductible (typically around $250), and Allstate covers all remaining costs of replacing your windshield. If your windshield only needs to be repaired, then you do not pay a deductible, and Allstate covers the cost of repairing chips and cracks.
Alternatively, drivers in South Carolina, Florida, and Kentucky will pay $0 for windshield replacement with an Allstate policy because of state law. Additionally, some drivers have added a $0 windshield replacement option to their policy, in which case you’ll pay nothing to replace a windshield with Allstate.
To initiate a windshield replacement claim with Allstate, or to determine how your policy covers windshield damage, contact Allstate today.