GrantsWriter
Occasional Contributor

Sorry if someone has already asked this questions, but I cannot seem to find one.  Anyway, I have a windshield chip that I would like fixed before it begins to grow.  A local reputable shop charges $40 for the repair, but is it covered by insurance?  And if so, is it considered a claim that can possibly raise my rates? 

17 REPLIES

GrantsWriter,

Thank you for your inquiry in Community. It is definitely a good idea to fix the chip before it grows. Please call our claims department at 800-531-8722 and a specialist can help you with the claim and address your questions. Thank you for being a valued USAA member.  

Don't do it!  USAA logs that very inexpensive repair as a full claim and it goes against you when you pay your premium the following year.  In addition, they also report it to LexisNexis as a "claim" despite the small amount of money and if you try to switch to a less expensive insurance company you find it counts against you in the number of claims over the past 5 years and they assess you a higher premium, as well.  If you can get it fixed for $40 on your own....do it, and leave USAA out of it.  I made that mistake last year when my brand new car was hit by gravel on the highway and to keep it's integrity I opted for the repair rather than replacement which would also save them money on the payout.  USAA has made me pay for that decision and as a result, after 24 years membership, they lost my auto insurance, I paid off my auto loan with them, I removed most of the money in my savings account and gave it to another bank, and they will lose my 2 homeowners policies as soon as they come up for renewal, as well as my credit card.  I'm slowly pulling everything away from them as they no longer have your back.  Sad.....it's unrecognizable as the same company of just 10 years ago.

But USAA states that:

"Thank you for sharing your concerns.   A chip repair or a windshield replacement falls under your comprehensive coverage which has no impact to your rates due to being considered a not at fault accident."

 

I had a similar issue... Reported a chip on my windshield as soon as I could before it got worse. It wasn't my fault at all! Gravel must have hit it while driving. I went through the proper channels through USAA and got my windshield "repaired" through Safelite. They had to completely replace it and it was expensive because of the type of seals or something used on a Ford Flex 2016. Turns out, I had to pay the $500 deductible. I was under the impression USAA would cover things like that. 

Hi Aneekebeth and thank you for sharing your concern regarding your windshield repair. I will have our claim department review your concern with the $500 deductible and follow-up with you. Thank you and we will be in touch. Have a good evening for now!

@Aneekebeth, when a member establishes their policy, the deductible amount reflects the out of pocket cost for damages one is willing to assume before insurance is used.  So in the case of your glass claim, if the cost to replace the windshield was less than your $500 deductible, you would be responsible for covering those expenses.  If those damaged exceeded $500, your insurance policy would cover anything beyond that. - Ina

@Aneekebeth, when a member establishes their policy, the deductible amount reflects the out of pocket cost for damages one is willing to assume before insurance is used.  So in the case of your glass claim, if the cost to replace the windshield was less than your $500 deductible, you would be responsible for covering those expenses.  If those damaged exceeded $500, your insurance policy would cover anything beyond that. - Ina

I agree that one should not eontact USAA

I agree that it isn't the company it once was.

I have been a member for over 45 years and it was once the best insurance company.

Now it seems to be similar to many other companies that are run primarily for the benefit of the top management.

 

DEFIN ITELY NOT THE COMPANY IT USED TO BE.  SAD, BUT JUST ANOTHER INSURANCE COMPANY NOW, NO DIFFERENT FROM STATE FARM, ALLSTATE, AAA.

 

THEIR HOMEOWNERS INSURANCE IS TAKING THE SAME ROUTE. OVERPRICED, UNDER SERVED.

 

AFTER ALMOST 50 YEARS, I MAY HAVE TO LEAVE. THEY ARE TAKING ADVANTAGE OF OUR LOYALTY TO RIP US OFF.