Is Auto Glass Covered by Insurance in Illinois?

Illinois has a diverse terrain that includes plains, hills, and other natural features. There’s no denying that when you drive through Illinois you will see much more than corn. But, when your vehicle suffers damage and prevents you from taking those beautiful drives, it can be frustrating. 

Many damages can render your vehicle undrivable including a damaged windshield. If you are still reading it is safe to assume that your vehicle is suffering a damaged windshield and you’re wondering if insurance will cover the repair or replacement costs in the state of Illinois. This blog will answer those questions and more. 

What Type Of Insurance Covers Windshield Repair or Replacement?

There are several types of insurance policies available in the state of Illinois. Some cover windshield repair and replacement, while others don’t. We’ve broken them down for you below. 

Liability Coverage Policies

Liability insurance only covers damage you inflict on others. That’s why it’s the least expensive. If you have liability coverage then I am sorry to be the one to tell you that no, they will not cover any damage to your windshield. 

Comprehensive Coverage Policies

Comprehensive coverage is sometimes called “full” coverage. While that name sounds like it covers everything, the truth is, that it only covers some damage to your windshield. Comprehensive insurance covers damage due to theft, vandalism, and any windshield damage caused by rocks, debris, or severe weather like a hailstorm. 

If your damage is due to any of these issues, then your policy may cover it. But be prepared to meet the deductible first. Comprehensive insurance does not cover a damaged windshield caused by a collision. 

Collision Coverage Policies

One option is collision coverage. If you have this type of insurance and your windshield damage is due to a collision, you may be covered. But again, you might have to meet your deductible first. 

Optional Auto Glass Coverage

Some insurance companies offer optional auto glass coverage. They offer no-deductible options and others offer policies with a lower deductible than your full coverage insurance. In some cases, you can add this to your comprehensive policy. Owners of expensive vehicles like Tesla and Mercedes tend to invest in this optional coverage. 

Will My Insurance Require My New Windshield to be Calibrated?

Yes, most likely. But there are so many other reasons why you shouldn’t skip the calibration process. First, calibration is required for new windshields on vehicles that have ADAS (Advanced Driver Assistance Systems). 

Cameras and sensors are embedded in and near the windshield so that technology needs calibration so your safety systems work correctly. Otherwise, they may malfunction, causing a collision. You might also void your warranty if you don’t conduct a calibration of the ADAS technology.

How Do I File an Insurance Claim for my Damaged Windshield?

You can contact your insurance provider, but it can be a hassle. And, in some cases, they will patch you over to an auto glass company they have selected. You have the right to choose who repairs or replaces your windshield, and many insurance companies have relationships with big corporate auto glass companies. 

Many local independent auto glass services are a better way to go for a more streamlined customer service experience. Plus, the work and materials you’ll receive from a small independent auto glass service will be of higher quality. 

Can I Use a Mobile Auto Glass Service with Insurance?

You sure can. And, hiring a mobile auto glass service will save you time and offer you the type of convenience you can’t find in a waiting room. And mobile services come to you for no extra cost. So, when you are selecting an auto glass service don’t forget that mobile service will do the work where you want and help you with your insurance claim. In many cases, they’ll get there the same day you call. 

Do You Need A Windshield Replacement in Chicago, IL or the Suburbs?

If you live or work in Hinsdale, Orland Park, Schaumburg, Elgin, or anywhere else in the Chicagoland area, contact us at Flash Auto Glass. We are a mobile auto glass repair and replacement service that offers ADAS calibration. We’ve been repairing and replacing windshields on all types of vehicles for years. We are the premier mobile auto glass replacement and repair service in the Chicagoland area.