Do you know what Allstate windshield replacement policy is? Well, you are at the perfect place to find the answer to such a question.
Allstate has been around for nearly a century and is the auto insurance provider of choice for millions of Americans. As with many auto insurance providers, Allstate’s position on windshield repairs is remarkably similar.
So, what is Allstate windshield replacement policy? Allstate windshield replacement and repair are covered through comprehensive coverage options in your full coverage auto insurance plan. As with all insurance providers, Allstate has to adhere to certain states that require either no deductible on windshield repair or an optional coverage plan that costs $0 for the deductible. The cost of the deductible, with comprehensive coverage and damage to your windshield, is at most $250.
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Do All of Allstate’s Comprehensive Coverage Policies Cover Windshield Repair or Replacement?
If you have comprehensive coverage in your Allstate auto insurance plan, then you have full coverage for your windshield. In fact, you can only get windshield replacement or repair options with comprehensive coverage.
For example, if you have liability-only coverage, even if you have all of the compensatory options maxed out, along with any of the available accommodations, windshield coverage is never included as a part of that.
Not only do you have to have full coverage auto insurance, but you also have to have the comprehensive portion.
It’s important to read the fine print when it comes to purchasing auto insurance for your vehicle.
States that Prohibit Insurers from Requiring a Windshield Replacement or Repair Deductible
There are three states that require auto insurance companies to make windshield repair available without a deductible.
Those states are Florida, South Carolina, and Kentucky. However, you still have to have full coverage and comprehensive coverage.
Even if you live in one of those three states, if you have liability coverage, you won’t be able to file a claim with Allstate to get your windshield repaired or replaced.
Fortunately, for those who live in Arizona, Connecticut, Massachusetts, Minnesota, and New York, You will have the option of adding a $0 glass deductible plan to your existing coverage, whatever it may be.
This is most often known as “full glass coverage.”
How Does Filing a Windshield Replacement Claim Work with Allstate?
Comprehensive coverage is coverage that covers everything, rather than just coverage that covers only accidents, whether they were your fault or the fault of someone else.
Comprehensive covers the following incidents, in terms of windshield damage:
- Hit and run accidents
- Hitting an animal
- Storm damage, including hail
- Rocks that are slung up from the road
- Various environmental damage
Of course, comprehensive coverage includes more than just your windshield. Whether you have a deductible or not, you will have to file your claim by contacting Allstate to get the process started.
Allstate will then direct you to a local windshield repair contractor, most likely one that is affiliated with Allstate somehow, you will pay your deductible (if applicable) and set up an appointment.
Some windshield replacement businesses will actually come out to your home to conduct the repair, which is pretty convenient.
Accidents where You are at Fault
You wouldn’t file a claim with Allstate through your comprehensive coverage if you were in an accident where you were at fault.
What you would do, is file the claim through the collision coverage portion of your insurance policy.
This means paying the full deductible that you would normally pay, since comprehensive coverage and the deductible that comes with it (or lack thereof), is not applicable.
Accidents Caused by the Other Driver
If your windshield was damaged due to the negligence of another driver, you would file your claim through their insurance policy, even if they have liability only.
Of course, if the other driver lacks an auto insurance policy, you will have to file the claim through your Allstate plan.
How to Know if You Have Comprehensive Coverage?
In most states, comprehensive coverage is completely optional. Just because you purchase a full coverage auto policy through Allstate, doesn’t mean that you are automatically given comprehensive coverage.
The Allstate representative that you are dealing with might not even bring it up. It’s important for you to jump on the internet and fully explore your coverage options.
You might assume that “full coverage” means just that. However, comprehensive coverage is often a separate add-on, rather than directly incorporated into full coverage auto insurance.
Liability insurance is required in all states. You have to have a minimum of liability to drive a car legally in most, if not all, states.
Liability coverage is designed to cover the damages of another vehicle, assuming that you were the cause of the accident.
Like full coverage auto insurance, liability-only does not include windshield repair on your own vehicle. In some states, such as Arizona, Connecticut, Massachusetts, Minnesota, and New York, you can add a $0 deductible windshield repair or replacement plan to your existing coverage.
Allstate Auto Glass Claim Express
Allstate has an interesting feature as a part of their comprehensive coverage known as Allstate Auto Glass Claim Express. This is an express feature that helps you get your windshield repaired as fast as possible.
Allstate is connected to 7,200 auto glass repair shops all across the country. With a 24-hour, 7 days a week claim service, you can contact them any time of the day or night and file your claim.
Allstate will hook you up through one of their 7,200 affiliates and will often get someone to come out to your home to make the replacement or repair.
Whether or not they can come to your home depends on the location and your vehicle’s particular requirements (some are more complex than others).
Once you have filed your claim and set an appointment, you’re all set and most of the time, you can have your windshield repaired or replaced in less than 24 hours, depending on when you make the call.
All Things Considered
Allstate offers windshield replacement or repair through their comprehensive coverage option, which you can only get as an addition to your full coverage policy.
They also feature an express program, so you can get your windshield repaired or replaced as quickly as possible.
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