Will USAA Cover Windshield Replacement?
In the event of a windshield replacement, many car owners wonder whether their insurance provider, USAA, will cover the costs. USAA, known for its comprehensive auto insurance policies, offers coverage for various damages to your vehicle, including windshield repairs and replacements. Let’s delve into the details to understand whether USAA will cover windshield replacement and what factors you need to consider.
Understanding USAA’s Windshield Coverage
USAA provides coverage for windshield replacement under its comprehensive auto insurance policy. This coverage applies to damages caused by non-collision incidents, such as a rock chip or a cracked windshield. However, it’s essential to note that the coverage may vary depending on the type of policy you have and the specific circumstances of the damage.
What is Covered?
Under USAA’s comprehensive auto insurance policy, the following types of windshield damage are typically covered:
1. Chips or cracks: USAA covers small chips or cracks in the windshield, which can be repaired rather than replaced.
2. Large cracks or breaks: If the damage is extensive, such as a large crack or a broken windshield, USAA will cover the cost of replacement.
3. Windshield wiper replacement: In some cases, USAA may cover the cost of replacing the windshield wipers if they are damaged due to the windshield replacement process.
Exclusions and Limitations
While USAA offers coverage for windshield replacement, there are certain exclusions and limitations to be aware of:
1. Pre-existing damage: USAA will not cover windshield replacement if the damage was present before you purchased the insurance policy.
2. Collision damage: If the windshield damage was caused by a collision, the repair or replacement will be covered under the liability or collision coverage, not the comprehensive policy.
3. Tinted windshields: USAA may not cover the cost of replacing a tinted windshield, depending on the specific policy terms.
How to File a Claim
If you need to file a claim for windshield replacement, follow these steps:
1. Contact USAA customer service: Reach out to USAA’s customer service department to report the damage and inquire about the coverage.
2. Schedule an appointment: Once you’ve confirmed coverage, schedule an appointment with a reputable auto glass repair shop.
3. Submit documentation: Provide USAA with the necessary documentation, such as the repair shop’s estimate and proof of ownership, to process the claim.
Conclusion
In conclusion, USAA will cover windshield replacement under its comprehensive auto insurance policy, provided the damage is due to non-collision incidents. However, it’s crucial to understand the exclusions and limitations of your policy to ensure you receive the appropriate coverage. By following the proper claim process, you can have your windshield replaced with minimal out-of-pocket expenses.
