Windshield and Glass Claims

What's typically covered by our policies

Auto glass coverage is part of comprehensive coverage. If you’re not sure about your coverage or your deductible, you can check your policy. Here are some common things we can help with.

Windshields

If your windshield damage is smaller than a dollar bill, we’ll help repair it. If it has extensive damage, it’ll likely need to be replaced.

Side and rearview mirrors

We’ll help repair or replace your side or rearview mirrors if the glass is chipped, damaged or broken.

Sunroofs and other windows

We’ll help repair or replace side windows and roof glass. We’ll make sure that your sunroof or T-top are leakproof and work like new.

How glass claims work

File a claim in just a few minutes and get back on track.

Steps to complete How glass claims work

Report your claim.

Tell us what happened. Get started on usaa.com or the USAA Mobile App. The sooner we can schedule repairs, the safer it is for you.
Schedule an appointment.

We'll need a few details about your vehicle and the damage. Let us know when you want the technician to arrive and where you’re located.
Get back on the road.

A technician will repair or replace your window or windshield, including recalibration of the sensors.

Report a glass claim

Windshield repair or replacement costs

Cost to repair

If your windshield can be repaired, the service may cost you nothing depending on your coverage. Expert technicians can repair your windshield if your glass has 3 or fewer chips that are smaller than 6 inches:

Cost to replace

If your glass needs to be replaced, you may have to pay your deductible. Replacing your windshield is recommended if your glass has 4 or more chips or cracks, or your damage is larger than 6 inches.

Repair or replace with Safelite AutoGlass®.

You have a right to select the glass repair shop of your choice. But we have a trusted alliance with Safelite AutoGlass, a leading glass specialist. Here’s what they offer:

Online and convenient scheduling
Mobile repairs for service almost anywhere
Trained, certified auto glass replacement technicians
Lifetime guarantee on auto glass repair and replacement

Need to get reimbursed for a glass claim?

If you already paid to fix your glass damage, you can submit a reimbursement request in as little as 5 minutes.

We'll need to know which car was involved, how much you paid, and the name and number for the shop that did the work.

Get reimbursed for a glass claim

Windshield and glass claims FAQ

Damage to other areas of your car and other types of glass may not be covered by a glass claim. But they may be covered under a different part of your auto policy and would require you to report an auto claim.

Here are the types of glass that are typically not covered:

Headlights
Taillights
Side markers
Fog lights

No. In some cases, even with a successful repair, the chip or crack may be visible. It’s also possible that it could become larger.

But Safelite AutoGlass can guarantee that the successful repair of a chip or crack will pass any state vehicle inspection. If it doesn't pass, they’ll apply your repair costs toward a windshield replacement.

We cover the replacement of glass parts that are of like kind and quality. If the recommended glass for your repair isn’t OEM, you can request an OEM replacement. You may owe the difference.

In most cases, yes.

Cars that have advanced safety features, like collision detection or lane assist, use cameras and sensors to help them work.

The sensors need to be aligned with the replacement windshield to work properly. That way, they can respond when they need to — or not respond when they don’t.

Our glass specialists will let you know if they need to recalibrate your new windshield. It’s usually done in the same visit as the replacement.

Still need help?

If you can’t find the information you need, you can give us a call at 800-525-1790

Ready to report your glass claim?

Report a glass claim Get reimbursed for a glass claim

Windshield and glass claims