When you have a cracked windshield on your car, it may be quite costly to replace. The first thing that comes to your mind would be whether you can have your windshield replacement in Tulsa done through your insurance provider or not. Maybe you have heard that your insurance rates go up, and you pay a lot for your premium.

Well, whether your windshield replacement in Tulsa, OK, will affect your insurance or not largely depends on your insurance policy’s coverage. If you have a comprehensive claim, your rates won’t increase. However, most insurance companies limit the number of windshield repair claims you are allowed to make. After a certain number of claims, the insurance company may refuse to pay for your Tulsa windshields repair or replacement. You can claim without affecting your insurance if you have bought comprehensive insurance coverage.

Three types of coverage make your accident policy: comprehensive, collision, and liability. While liability is compulsory, comprehensive and collision are optional. Let’s know more about them.

Liability Insurance: This kind of insurance policy covers any damage caused to other people, their vehicle, or their property due to your accident. Buying this kind of insurance is mandatory before you can drive your car on the roads. 

Collision Insurance: If you have this kind of insurance policy, it will cover any cost you have to pay for your vehicle repair caused due to an accident of your fault.

Comprehensive Insurance: This kind of insurance policy covers everything ranging from theft and vandalism to hail, lightning, and fire.

If you have liability or collision insurance, you may need to pay some deductible to conduct the auto glass repair in Tulsa. Still, if you have comprehensive coverage, your insurance policy will cover the entire cost of windshield repair or replacement.

Paying the Deductible

A deductible is an amount you have to pay towards a covered claim. Whether you have to pay for your windshield repair or replacement depends on your insurance policy. Mostly, the insurance policy will cover only the amount of claim that exceeds your deductible. This means that if the deductible on your comprehensive coverage is more than the cost of Tulsa windshield replacement, then you may end up paying the entire amount out of your own pocket. However, you may be saved from paying a deductible if you meet any of the following conditions:

  • If your comprehensive insurance policy covers full auto glass repair, Tulsa
  • If only windshield repair is needed
  • You have opted for complete auto glass coverage in your policy.
  • Your state laws mandate your insurer not to apply deductible on comprehensive claims.


It is a fact that damage to the windshield is common and cannot always be prevented. So, you may have your repairs done without paying a penny out of your pocket by having proper insurance coverage.

Effect of Windshield Repair or Replacement on Auto Insurance

If you file an insurance claim, it affects your insurance policy and rate for your auto glass repair. However, the extent of the effects largely depends on your insurance company and its policies. If your car needs Auto glass Tulsa repair or replacement, and if you are thinking about getting it covered with an insurance claim, it’s better to talk to your insurance agent first. Ask them whether the company covers such claims or not. They will explain how the company handles such claims and how it impacts your insurance policy in the future.

Filing a claim depends on repair or replacement cost and how it will affect your insurance policy. If your policy rate increases after the claim, make sure that it is not more than the repair cost. Otherwise, it would be better to pay it out of your pocket instead of later paying a higher insurance premium.

How to Escape Effect on InsuranceYou

The best thing to escape insurance after windshield replacement in Tulsa is to go for a comprehensive insurance claim beforehand. If your windshield damage is not your fault, your comprehensive insurance policy will cover it without increasing your rate. Windshield replacement can be expensive, so check with your insurance company to find the right policy for you.

If you need auto glass repair in Tulsa, OK, then only GlassworkAutoglass can help you out in the best possible way. Our experts will suggest whether you should go for an insurance claim or pay it out of your pocket. So, get in touch with us today and schedule an appointment regarding your auto glass repair or replacement.