Georgia is a beautiful state to drive through, but when your windshield suffers damage, it can render your vehicle undrivable. A damaged windshield is much more than an inconvenience, it is a total hassle. Especially if you can’t drive your vehicle. 

Since you made your way to this blog, we think it’s safe to assume that your windshield has suffered some damage and you’re wondering what your insurance covers in the state of Georgia. In this blog, we’ll go over the types of insurance and what they cover when it comes to repairing or replacing your windshield. 

Know Your Coverage

There are different types of insurance and, depending on the type you have, your policy might cover the cost of your windshield repair or replacement. 

• Liability Insurance Coverage: This type of insurance is the lowest cost, but that’s because it covers the least. Liability insurance only covers damage that you cause to others. So, if you have liability coverage then no, the policy you have will not pay for your windshield replacement or repair.

• Comprehensive Insurance Coverage: Comprehensive insurance, otherwise known as “full” coverage typically covers damages to other vehicles and to your vehicle if the damage was caused by anything but a collision. So, comprehensive insurance covers damage due to theft and vandalism. It also covers damage to the windshield caused by debris, rocks, and severe weather like hail. If any of these instances caused damage to your windshield then you may be covered. Of course, you will likely need to meet your deductible first. 

• Collision Coverage: There is the option of getting collision coverage, which will cover the cost of a new windshield if it suffers damage during a collision. But you still may have to meet the deductible. 

• Optional Auto Glass Coverage: Some insurance providers offer add-on auto glass insurance, which you can piggyback onto your policy. There are even no-deductible and lower deductible options when compared to your comprehensive coverage. This type of insurance is attractive to owners of vehicles like Tesla, Mercedes, and exotic sports cars. Owners of large trucks could benefit from this as well. 

Will My Vehicle Need ADAS Calibration?

If your vehicle is equipped with Advanced Driver Assistance Systems (ADAS) then yes, you will need a windshield calibration after you have a new windshield installed. Without ADAS calibration, you could render your safety systems useless or they might malfunction. And, if you don’t get a windshield calibration your insurance may not cover the cost or you could void your warranty.

What Should I Do When Filing a Claim?

You could contact your insurance company and try to navigate the claims process yourself, or you can put your trust in the auto glass company you select to repair or replace your windshield. Most reputable auto glass repair and replacement services will have employees on hand who will help you navigate the process. They have a ton of experience with these claims and can even contact the insurance company for you. 

Will Insurance Cover My Windshield if I Use a Mobile Service?

Definitely. In fact, mobile services are an excellent choice for many reasons. They work with most insurance providers and they take all the hassle out of windshield repair and replacement. How? They come to you for no additional charge This saves you from spending valuable time sitting in a waiting room. Mobile auto glass services offer consumers convenience at the same price as in-shop services. 

Do You Need a Windshield Replacement Insurance Claims Assistance in The Grayson, GA Area?

If you need a windshield replacement in the Norcross, Snellville, Grayson, or Lawrenceville areas of Georgia, contact us at Express Mobile Auto Glass. Our certified auto glass technicians will come to you on the same day, in most cases. We have a huge inventory of OEM auto glass and we offer a lifetime warranty on all replacement auto glass. And we work with insurance providers.