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glass and windshield claims

when and how to file glass-damage claims

You're driving along, hands at 10 and 2, when a rock or pebble slams into your windshield. As you look for the chipped glass, you're already wondering how to get your windshield repaired and what it'll cost.

If you're an Esurance customer, filing a glass or windshield claim is easy.

Glass coverage options

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Generally, comprehensive coverage can kick in to help repair glass damage. While it's an optional coverage from a legal perspective, some leasing and lending companies require that you add it to your policy if you're leasing or financing a car. Comprehensive coverage is generally quite affordable.

Some states have a specific glass coverage option that might allow you to skip the deductible altogether. These coverages vary by state, so check the specifics of your glass coverage to find out what you can expect to pay out of pocket (if anything) on a windshield claim.

How to file a glass or windshield claim

Here's a quick guide to filing a glass-damage or windshield claim through Esurance.

First, you have options. In addition to the convenient online and phone (1-800-ESURANCE) claim-filing methods available 24/7, glass-damage claims can also be filed through the Esurance mobile site and through our app. However you want to file is okay with us.

Here's the info you should have handy when you file your glass or windshield claim:

  • Policy number
  • Personal info
  • VIN
  • Details of the incident and the damage

After you file your claim, a dedicated claims representative will contact you to walk you through the rest of the process. Depending on the damage, one choice a representative can help you make is whether you want to replace your windshield or simply repair it. Your rep will also set up a good time for the repairs to be made.

In some cases, a technician can do the job right in your driveway and discard any removed or replaced glass. A windshield replacement takes roughly an hour from start to finish, and you can drive your car as soon as the technician's finished.

Glass repair vs. replacement

One of the most common areas of confusion regarding windshield damage is repair vs. replacement. Most windshields with minor cracks or chips can be repaired to the point of showing no sign of the original damage. Plus, repaired windshields benefit the environment by keeping millions of pounds of glass from landfills. A glass professional will help you determine the better option.

Regardless of whether you choose repair or replacement, the wait time is generally short on glass claims.

Get your glass damage fixed lickety split

If your window or windshield has been chipped, you can file your claim online, over the phone, or through our mobile platforms to start the repair or replacement process before the damage gets worse. As always, we're here to help.

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