The short answer is yes. Here's how Missouri comprehensive coverage works for auto glass and what you'll actually pay.
Short answer: yes, in most cases. Here's what you need to know.
In Missouri, windshield repair and replacement are covered under the comprehensive portion of your auto insurance policy. If you carry comprehensive coverage — which is required if you're financing or leasing your vehicle — your windshield is almost certainly covered.
For chip repairs, many carriers waive the deductible entirely. A repair costs less than your deductible in most cases, so insurers prefer it and cover it at $0 to the driver.
For full replacements, your deductible applies in most cases — though some policies have a separate, lower glass deductible. We'll tell you exactly what to expect before we start.
Filing a comprehensive glass claim typically does not raise your rates in Missouri. Comprehensive claims are treated differently from collision claims and are not usually considered when calculating your premium. That said, if you're concerned, call your agent to confirm before filing.
We deal directly with your insurer. You give us your insurance information, we verify your coverage, file the claim on your behalf, and bill them directly. You don't sit on hold or fill out forms. Call (715) 396-1720 and we'll check your coverage right now.
Questions? Call us and we'll give you a straight answer — and check your insurance while we're at it.
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