Proudly serving North Texas - Irving, Coppell, Grapevine, Lewisville, Flower Mound, Carrollton, and NW Dallas

Auto Insurance Deductibles for Windshield Repair

High auto insurance deductibles can wipe out your savings when you file a claim. Don't let that happen to you when you need a rock chip repaired!

In Texas, most insurance companies waive the deductible for auto glass repair; however, most do NOT waive deductibles for windshield replacement.

Whether you can get a rock chip repaired with no out-of-pocket expense depends on what type of insurance you have.

Types of Auto Insurance

There are different types of auto insurance, but not all provide glass coverage. The cost of auto insurance deductibles vary from policy to policy so contact your agent if you have questions about your coverage.

Liability

Most states require you to carry liability insurance which covers damage to property and other drivers if you cause an accident. This type of insurance does not cover your windshield or any damage to your car. If you have liability coverage only, you cannot file an auto glass claim. Please select a different payment option.

Collision

Auto insurance claim form

Most Texas insurance companies waive the deductible for auto insurance claims

Collision auto insurance covers damage to your vehicle if you are in an accident. It is usually required by the lender who carries the loan on your car. If any auto glass is damaged in an accident, this part of your policy may cover the cost of replacing the it, minus the deductible.

Collision insurance is usually combined with comprehensive to form a full coverage policy.

Comprehensive

A comprehensive auto insurance policy pays for damage to your vehicle that is not the result of an accident. Depending on the cause of damage, it covers repairs to your vehicle, minus the deductible. Like collision insurance, it is usually required by the bank that carries the loan on your vehicle.

Comprehensive auto insurance covers windshield chip repair. In Texas, most insurance companies waive the deductible on auto glass insurance claims for windshield repair using the comprehensive portion of your full coverage policy.

Does Your Insurance Company Waive the Deductible?

I keep an updated list of companies who do and do not waive auto insurance deductibles. Every state is different, so these lists are for TEXAS only.

THESE LISTS ARE NOT COMPLETE. Help me keep the lists up-to-date! Please send additions or corrections by using the contact form or adding a comment on my Facebook
page
.

This table is the result of years of experience and takes great effort to maintain. You may LINK TO THIS PAGE but please do NOT copy the tables and put them on your own website. Thank-you.

Companies that Do Not Waive Auto Insurance Deductibles

AAA of Texas
Infinity

Companies that Waive Auto Insurance Deductibles in Texas

I do not guarantee the accuracy of this list. Your auto glass insurance coverage will be verified at your windshield repair appointment.

A B C D E F G H IK L M N O P R S T U V W XYZ

21st Century
A
Agricultural Workers Mutual
All American
Allied Mutual
Allstate
American Express
American Family
American Fire
American First Insurance
AIG
AIG Personal Lines Auto
American National
American National Property & Casualty
American States
American Economy
Amco
Amica
Argonaut
Assurance of America
Atlanta Casualty
Automobile Club Family
Auto Owners
B
Blue Ribbon Glass
Bristol West
C
C.N.A.
Central Mutual
CGU General Accident
Charter County Mutual
Charter Indemnity
Chubb
Church Mutual
Citizens
Colonial Penn
Colonial Country Mutual
Continental Western Group
Continental Insurance
Country Companies
Country Mutual
D
Dairyland
David & Morse Assoc.
Deerbrook
E
Eaton Corporation
Economy Preferred
Employers Fire
Encompass
Erie
Esurance
F
Farm Bureau
Farm Family
Farmers
Farmers Home Group
Financial Indemnity
Fireman's Fund
First National
G
GE Financial
Geico
General Accident
General Casualty
Germania
GMAC
Grange Insurance Association
Grange Mutual
Great American
Great Northern
Guaranty National
Guidant Insurance
Guide One Insurance
H
Harlysville
Hanover
Hartford
Hawkeye-Security
Home State & Country Mutual
Horace Mann
I
Insurquest
Integon
Interstate Indemnity
K
Kemper
L
Liberty Mutual
Lloyds of Southwest
M
Merastar
Mercury
Metlife Auto & Home
Metlife/Metropolitan
Mosher
Mutual of Omaha
N
National Alliance
National General
Nationwide
O
Old American
Omni
One Beacon
Orion
P
Pemco
PPG Lease
Progressive
Providian/Infinity
Prudential
R
Republic Insurance
S
Safeco
Sentry
Sentry Insurance
Shelter Insurance
Southern County Mutual
Southern Insurance
Standard Mutual
State Farm
Superior
T
Texas Farm Bureau
TIG Insurance
Titan
Travelers
Trinity
Trinity Universal
Twin City Fire
U
Uniguard
Union Mutual Fire
Unitrin Property & Casualty
USAA
USF&G
Utica Insurance
V
Valley Insurance
Viking Insurance
W
West American
Western Agriculture
Western National
Western Reserve
Windsor Group
World Wide Insurance
X Y Z
Zurich Farmers

GlassLogic Windshield Repair is an insurance network "preferred mobile auto glass shop." All repairs paid by insurance carry a lifetime warranty. If you have further questions about auto insurance deductibles for glass repair, please call me at 972-983-8571. I will be happy to answer your questions.

GlassLogic Windshield Repair
Irving and Dallas Metro
Call 972-983-8571

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2 Comments

  1. Teresa

    I can not believe that they want me to pay 500 deductible for windshield repair, when it's only 268.00 to repair.. & it's all about money for progress now days .. It sucks... T

    • Mark Huckle, Certified Repair Tech

      That's why many people don't use their insurance to replace the windshield. On most cars, it is much cheaper than the deductible to just pay out-of-pocket. Then you don't have a claim on your insurance, either. Deductibles are only waived in Texas for chip repair.

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