Save on Deductibles for Glass Damage
A stone chip can quickly become expensive when the deductible comes into play. Learn how you can save money through timely repairs and smart insurance handling.
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Table of Contents
A glass damage to the vehicle can quickly lead to unexpected costs, especially if a deductible has been agreed upon in the insurance contract. However, there are ways to reduce or even completely avoid these costs. In this article, we highlight the various aspects that drivers should consider to save on the deductible in the event of glass damage.
When does a deductible apply for glass damage?
In the case of glass damage, you only pay the deductible that is agreed upon in your contract. This deductible becomes due when settling a claim. Its amount is specified in the insurance policy. We clarify the amount directly with your insurance – you don’t have to worry about anything. Additionally, the type of damage, whether it is a stone chip or a larger crack, determines whether a deductible applies: it does not apply for a repair. A repair is cheaper than a complete replacement of the glass and comes without a deductible.
How can a repair influence the costs?
A repair of the glass damage is more cost-effective than a complete replacement of the glass and comes without a deductible. Whether a repair is possible depends on various factors, such as the type and location of the damage, the crack formation, and the proximity to the edge of the glass. A repair is fully covered by the partial coverage insurance, without the insured having to pay a deductible. Whether a deductible applies in your case will be clarified directly with your insurance. The decision of whether a repair or a replacement is necessary should always be based on technical criteria and not solely on cost considerations.
What role does the vehicle equipment play in the decision?
The vehicle equipment can be crucial in determining whether a repair or a replacement of the glass is necessary. Modern vehicles are often equipped with driver assistance systems that are integrated into the windshield. When replacing the glass, these systems need to be recalibrated, which can incur additional costs. In our workshop in Elmshorn, the calibration of the driver assistance systems is done in-house, making the process more efficient. In the case of a repair, calibration is usually not required, which can further reduce costs. It is important that the decision about repair or replacement is based not only on costs but also on the safety and functionality of the vehicle.
How does the claims settlement with the insurance work?
Report stone chip online directly
Repaired in 30–60 min · free with partial comprehensive cover · often without an appointment.
Emergency? Also available by phone outside of business hours – 24/7.
The claims settlement for glass damage is handled directly between the workshop and the insurance. The customer does not need to report the damage to their insurance themselves, as the workshop transmits the necessary data electronically. The customer only pays their deductible. An additional report by the customer has no impact on the settlement of the damage. This direct handling can help simplify and expedite the process for the customer.
What additional services does the workshop offer?
For the duration of the repair or replacement of the glass, our workshop in Elmshorn offers a free loan vehicle (car) based on availability. This allows the customer to remain mobile while their vehicle is in the workshop. A glass replacement typically takes about two hours of workshop time, followed by a one-hour curing time before the vehicle can be moved again. Since all work is carried out in our own workshop, we can provide a fast and efficient service. However, mobile service or repairs on-site at the customer are not possible. Our workshop is available by phone around the clock to schedule appointments or answer questions.
What factors influence the decision between repair and replacement?
The decision between repairing and replacing a glass depends on several technical and safety-related factors. These include the type and location of the damage, crack formation, proximity to the edge of the glass, and vehicle equipment. A repair is only possible if it is permissible for safety reasons. In the case of a replacement, aspects such as parts availability, bonding, and the necessary calibration of the driver assistance systems may be relevant. It is important that the decision is based on a sound technical assessment and not solely on cost considerations. Our workshop in Elmshorn ensures that all work is carried out according to the manufacturers' specifications to guarantee the safety and functionality of the vehicle.
Frequently asked questions on this topic
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Whether a deductible applies depends on the type of damage: there is none for a repair, but for a replacement, your deductible applies according to the contract. With a partial coverage insurance, no deductible is due if the damage can be repaired. If the windshield needs to be replaced, you only pay your agreed deductible; we will clarify the amount directly with your insurance company.
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Quick action is crucial, as a small chip can quickly develop into a crack that requires replacement. A replacement costs more, and you will have to pay your deductible, while a repair can be done without any out-of-pocket expense if the damage is addressed in time.
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A stone chip can be repaired if it is not in the driver's line of sight, is not too large, and is not too close to the edge of the glass. These factors are crucial to ensure the repairability of the damage and to save costs.
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Do-it-yourself repairs can often worsen the situation and make a later professional repair impossible. It is advisable to have the damage assessed by a professional to ensure that the repair is technically sensible and does not incur additional costs.
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To simplify the processing with the insurance, you should have the damage checked immediately. A clear assessment of whether a repair is possible is the first step. KS Autoglas Zentrum Elmshorn takes care of the insurance processing completely and ensures a smooth process.
Report stone chip online directly
Repaired in 30–60 min · free with partial comprehensive cover · often without an appointment.
Emergency? Also available by phone outside of business hours – 24/7.
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Die Selbstbeteiligung bei einem Glasschaden ergibt sich aus Ihrem Vertrag. Bei einer Reparatur fällt keine an, beim Scheibentausch die Selbstbeteiligung laut Vertrag.
