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The hassle and cost of a damaged windshield are typically much larger than the rock or pebble that caused it.
You might not only be on the hook for your insurance deductible but also at the mercy of your insurance company for what type of part or which repair vendor is used.
Your insurance policy dictates these issues unless your state has laws protecting your choice of parts, your choice of repair vendor, or blocks insurers from recovering a deductible when paying for a windshield repair.
Whether you have cracked windshield repair insurance coverage or not, compare car insurance quotes from several companies at one by using our free rate tool above. Just enter your zip code to begin.
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Some states have enacted zero deductible full glass coverage laws to take the financial burden of replacing windshields off drivers and lowering the number of vehicles on the road with damaged auto glass.
States like Kentucky require a comprehensive auto policy to cover the repair or replacement of a windshield without collecting the deductible.
Unfortunately, Oklahoma does not have a zero deductible full glass coverage law.
The good news is Oklahoma insurers will often offer comprehensive auto policies that include zero deductible full glass coverage.
Comprehensive coverage is an insurance policy that extends coverage for damage to your automobile that isn’t caused by a collision. Comprehensive insurance will typically cover:
Unlike Comprehensive policies, liability only policies only offer coverage for other vehicles you damage in a collision. If you only have liability insurance you won’t be eligible for zero deductible full glass coverage in any state.
If having your insurance company waive your deductible for windshield repair is important to you the best practice is to compare three to four different insurance policies before you purchase one.
Comparison shopping is the best way to guarantee you get the appropriate coverage.
Another issue that you may face during an auto repair is whether it is up to your insurer to have your vehicle repaired with Original Equipment Manufacturer (OEM) or aftermarket parts.
OEM parts come from the auto manufacturer directly while aftermarket parts are manufactured by unrelated companies. OEM parts are generally more expensive but considered more reliable.
Aftermarket parts are typically less expensive but the quality can vary. It shouldn’t surprise you that given the lower price tag your insurer will typically prefer aftermarket parts.
The decision between OEM and aftermarket parts is in the hands of your insurance company unless there is a state law that dictates otherwise.
Oklahoma law sides with the insurer in this instance. Under Oklahoma law, insurers may use “aftermarket crash parts” if they are recommended in the repair estimate.
It’s important to review your policy before you ever contact a repair vendor. While Oklahoma law allows aftermarket parts it’s possible the language of your policy is less restrictive.
State law and your insurance policy will also determine if you get to choose your own repair vendor.
Conflicts can arise between you and your insurer in instances where a repair vendor you trust is more expensive than your insurer’s chosen vendor. Generally, you have the ability to choose your own repair vendor in the absence of state law or policy language that says otherwise.
In practice, most insurance policies include language that requires you to use a vendor of their choosing. Some states have enacted laws that would allow you to choose the vendor.
Other states will let you choose but require you to reimburse your insurance company for any difference between your estimate and a less expensive estimate from your insurer’s chosen repair vendor.
In Oklahoma, there are no such protections. In fact, Oklahoma law specifically states insurers may require a specific repair shop.
The result is that in Oklahoma the language of your insurance policy dictates if you choose your repair vendor or not.
Review your policy carefully before contacting a repair vendor. Your insurance company is not required to pay for any repairs that aren’t done by authorized vendors.
Oklahoma’s laws are clear in their intention to have insurance policy language dictate these decisions. Oklahoma insurers are not required to provide zero deductible full glass coverage.
They also are authorized to use aftermarket parts and can dictate which repair vendor is used. These laws together make the specifics of your insurance policy important.
The best way to get the coverage you prefer as it relates to windshield repair issues is to compare policies before you purchase one. Enter your zip code into our free rate comparison tool below to find the insurer who’s right for you.
Policies that are the same price may look similar on the surface but have different provisions relating to windshield repair deductibles, choice of repair vendors, and the use of aftermarket parts.
Auto Insurance FAQ / Auto Insurance Laws