Does Progressive Replace Windshields? Progressive Auto Insurance & Windshield Claims
Progressive auto insurance does typically cover windshield replacement or repair if you have comprehensive coverage. However, the specific details of your policy, including your deductible, will determine the out-of-pocket costs you will incur.
Understanding Windshield Coverage and Progressive
Windshield damage is a common occurrence, often resulting from road debris, hail, or accidents. Knowing whether your insurance policy covers this damage, and what the process entails, is crucial for any driver. Progressive, one of the largest auto insurance providers in the US, offers various coverage options, including those that specifically address windshield repair and replacement.
The Role of Comprehensive Coverage
Comprehensive coverage, also known as “other than collision” coverage, is the key to having your windshield repaired or replaced by Progressive. This coverage protects your vehicle from damages not caused by a collision with another vehicle. Examples include:
- Vandalism: Scratches or cracks caused by malicious acts.
- Theft: Damage sustained during or after a theft attempt.
- Natural Disasters: Damage from hail, windstorms, or floods.
- Falling Objects: Damage from trees, rocks, or other debris.
- Animals: Damage from striking an animal or an animal damaging your vehicle.
If you only have liability coverage, you won’t be covered for windshield repairs unless the damage was caused by another driver who is deemed at fault. In that instance, you would pursue a claim against their liability policy.
The Benefits of Windshield Coverage
Having windshield coverage offers several key advantages:
- Financial Protection: Avoid significant out-of-pocket expenses for repair or replacement. Windshields can be surprisingly expensive, especially those with advanced features like sensors.
- Safety: A damaged windshield compromises the structural integrity of your vehicle and can obstruct your vision, increasing the risk of an accident. Prompt repair or replacement ensures your safety and the safety of your passengers.
- Convenience: Progressive can help you find reputable repair shops and manage the claims process.
Filing a Windshield Claim with Progressive: The Process
Filing a windshield claim with Progressive is generally straightforward:
- Assess the Damage: Determine the severity of the damage. Small chips or cracks may be repairable, while larger cracks usually necessitate a full replacement.
- Contact Progressive: File a claim online, through the Progressive mobile app, or by calling their customer service line. Provide details about the incident, including the date, time, and location of the damage.
- Choose a Repair Shop: You can choose your preferred repair shop, or Progressive may recommend a preferred vendor. Preferred vendors often offer benefits like quicker service and direct billing to Progressive.
- Inspection and Repair/Replacement: The repair shop will inspect the damage and determine whether repair or replacement is necessary.
- Payment: If you have comprehensive coverage, Progressive will typically pay for the repair or replacement, minus your deductible. Some policies offer a “glass waiver,” meaning you won’t have to pay a deductible for windshield repairs.
Common Mistakes to Avoid
- Delaying the Claim: Address the damage as soon as possible. Small chips can quickly spread into larger cracks, making repair more difficult and potentially more expensive.
- Ignoring Your Deductible: Understand your deductible amount and be prepared to pay it to the repair shop.
- Using an Unqualified Repair Shop: Ensure the repair shop is reputable and uses high-quality materials. Poorly installed windshields can compromise safety and structural integrity.
- Failing to Review Your Policy: Familiarize yourself with the details of your comprehensive coverage, including any exclusions or limitations.
Deductible Options and Windshield Coverage
Progressive allows you to choose your deductible amount when purchasing comprehensive coverage.
| Deductible Amount | Premium Cost | Out-of-Pocket Expense |
|---|---|---|
| $0 | Higher | Lower |
| $250 | Moderate | Moderate |
| $500 | Lower | Higher |
A lower deductible will result in a higher premium but a lower out-of-pocket expense when filing a claim. Conversely, a higher deductible will result in a lower premium but a higher out-of-pocket expense. Some Progressive policies even offer a separate, lower deductible or a zero deductible for glass claims. It is vital to understand your policy’s details regarding deductibles.
Advanced Driver Assistance Systems (ADAS) and Windshield Replacement
Many newer vehicles have Advanced Driver Assistance Systems (ADAS) that rely on sensors and cameras mounted in or near the windshield. These systems may require recalibration after a windshield replacement to ensure they function correctly. This recalibration adds to the cost of the replacement and is something to consider when discussing your claim with Progressive and your chosen repair shop. Ensure that the repair shop is qualified and equipped to recalibrate your ADAS after the windshield replacement. Progressive typically covers the cost of recalibration as part of the windshield replacement claim.
Frequently Asked Questions (FAQs)
Does Progressive cover windshield repair for a chip or crack?
Yes, Progressive covers windshield repair for chips and cracks if you have comprehensive coverage. Whether you need to pay a deductible depends on your specific policy and the extent of the damage. Some policies have a separate, lower deductible or no deductible for glass repair.
Will filing a windshield claim raise my Progressive insurance rates?
Generally, filing a windshield claim under comprehensive coverage should not raise your rates. Comprehensive claims are typically considered “not-at-fault” claims and don’t impact your driving record. However, it’s always best to confirm with Progressive directly.
Can I choose any repair shop for my windshield replacement?
Yes, you have the right to choose any repair shop you prefer. Progressive may recommend preferred vendors, but you are not obligated to use them.
How long does it take to replace a windshield with Progressive?
The timeline depends on factors like parts availability and the repair shop’s schedule. Generally, a windshield replacement can take between 1 to 3 hours, excluding any necessary recalibration of ADAS features.
What if I only have liability coverage?
If you only have liability coverage, Progressive will not pay for your windshield repair or replacement unless the damage was caused by another driver who is at fault. In that case, you would file a claim against their insurance policy.
How do I find out if I have comprehensive coverage?
Review your Progressive insurance policy documents, or contact Progressive’s customer service department. They can quickly confirm your coverage details and deductible amounts.
What information do I need to file a windshield claim with Progressive?
You’ll need your policy number, details about the incident (date, time, location), a description of the damage, and potentially photos of the damage.
Does Progressive offer a glass deductible waiver?
Some Progressive policies offer a glass deductible waiver. This means you won’t have to pay a deductible for windshield repair or replacement. Check your policy documents to see if you have this waiver.
What is ADAS recalibration and why is it important?
ADAS (Advanced Driver Assistance Systems) recalibration is the process of realigning the sensors and cameras used by safety features like lane departure warning, automatic emergency braking, and adaptive cruise control. It’s crucial after a windshield replacement to ensure these systems function correctly and safely.
Will Progressive pay for ADAS recalibration after windshield replacement?
Yes, Progressive typically covers the cost of ADAS recalibration if it’s required after a windshield replacement covered by your policy. Confirm this with Progressive when filing your claim.
What happens if the windshield damage was caused by a hit-and-run?
If the windshield damage was caused by a hit-and-run, it’s generally covered under your comprehensive coverage. You’ll need to file a police report and provide the report number to Progressive. Your deductible will still apply.
Can Progressive help me find a mobile windshield repair service?
Yes, Progressive can help you find a mobile windshield repair service. This can be a convenient option, especially for minor repairs that can be done at your home or office. They often have preferred vendors that offer mobile services.