Claim a Windshield in My Insurance Policy will Increase my Premium ? - Real Auto Glass

Filing a windshield claim on your insurance policy likely won’t cause a premium increase in most cases.

Here’s why:

• Florida Law: Florida Statute § 627.7288 prohibits insurance companies from applying your deductible for windshield repairs or replacements under comprehensive coverage.
• Cost-Effectiveness: For insurance companies, windshield repairs are typically cheaper than other claims.

However, there are a few situations where it might affect your premium:

• Multiple Claims: If you have multiple claims within a short period (not just windshield), your insurance company might see you as a higher risk and raise your rates.
• No Accident Forgiveness: If your policy doesn’t have accident forgiveness and the windshield damage was your fault, it could potentially impact your premium.
• Some states have different laws regarding windshield coverage. If you don’t live in Florida, it’s a good idea to contact your insurance company directly to confirm how windshield claims are handled in your state.