Auto Glass Insurance Coverage
“Wait… does my insurance even cover this cracked windshield?”
In most cases, yes. Many full-coverage policies in Pennsylvania and Delaware include zero-deductible glass repair or replacement. Just text a photo and your insurance card to 610-540-5062 and Clear Vision will confirm what’s covered — fast.
If that question popped into your head after seeing shattered glass, you’re not alone. Most drivers don’t know if it’s cheaper to file a claim — or skip it. That’s where we step in.
Clear Vision Auto Glass has helped thousands of PA and DE drivers file glass claims quickly, correctly, and without drama. We know the policies. We speak the insurance lingo. And we’ll tell you right away if it’s covered — or if you’re better off paying cash.
610-540-5062. We’ll quote it fast and handle the paperwork.
Most Common Insurance Scenarios
Here’s what we deal with every day
- Full Coverage: Includes glass repair or replacement with a deductible (or sometimes $0)
- Comprehensive-Only: Covers break-ins, storms, or rock hits — but not collision
- Cash Quote First, Then Claim: We quote it up front, and you decide whether to involve insurance or not
We’ll help you make the smart move for your policy.
Insurance Providers We Work With
We’ve done this with just about every carrier in the game
We handle glass claims with all major insurers — and dozens of regional ones. No awkward calls. No confusing hold menus. We walk you through it or handle it for you.
You’re covered if you carry:
- GEICO
- Progressive
- State Farm
- Liberty Mutual
- Travelers
- Nationwide
- Allstate
- Erie
- The Hartford
- USAA
And many more. If it’s on your card, we’ve likely worked with them already.
📸 Just send your insurance card and a quick photo of the damage to
610-540-5062, and we’ll do the rest.
How the Auto Glass Claims Process Works
Fast. Easy. We guide you through it — or take it off your plate.
Here’s what it looks like:
- Send us a photo and your VIN or insurance card
- We quote the repair or replacement — and confirm if you’re covered
- We handle the claim (or guide you through your app/portal)
No long phone calls. No wondering if your policy covers it. Just answers and action.
What’s Covered vs What’s Not
Know where your policy stands before you file
Typically Covered:
- Windshield chip or crack repair
- Windshield or side window replacement from road debris or break-ins
- Rear windshield damage from weather or theft
- Emergency board-up and temporary coverage
Usually Not Covered:
- Wear-and-tear scratches
- Pre-existing cracks or unreported damage
- Non-glass parts (like moldings or window motors)
Still unsure? Text a photo + insurance card ➜ and we’ll let you know in minutes.
Zero Deductible Glass Coverage in PA & DE
Some states make glass claims easier than you think
In Pennsylvania and Delaware, many full-coverage policies offer zero deductible glass repair — especially for rock chips and clean cracks.
That means you might pay nothing out of pocket.
We’ll confirm what you’re covered for — fast. Then fix it even faster.
PA & DE Glass Laws: Quick Reference
Pennsylvania requires insurance providers to offer optional full glass coverage with $0 deductible under Title 31, Chapter 146c of the PA Code. If you opted in when setting up your policy, it means you may owe nothing for repair or replacement.
Delaware doesn’t mandate zero-deductible glass coverage, but many full-coverage policies include it anyway — especially with comprehensive.
- We’ll verify it for you before any work is done. Just text us your VIN or a photo of your card.
FAQs: Insurance, Safety & Cost
Clear answers for real-world questions — right here in the Brandywine Valley
In most cases, no. Glass claims (especially for windshield repairs) don’t count against you like accident claims. But we’ll walk you through your policy before you decide.
Repairs usually cost far less than replacements — especially for small chips or cracks. We’ll quote you fast, so you can compare cash vs claim side-by-side.
Sometimes yes, sometimes nothing. In Pennsylvania and Delaware, full-coverage policies often include zero-deductible glass repair. We'll review your policy and tell you exactly what it means — no guessing.
Small chips? Maybe. Long cracks or impact damage across your view? Not safe — and it could affect your inspection sticker here in PA. It also compromises your vehicle's structure in a crash. Text us a photo and we’ll assess it fast.
Text a photo + your VIN or insurance card to 610-540-5062. Bonus: If your vehicle has ADAS (like lane assist or front-facing cameras), we’ll verify if recalibration is covered by your policy too.
Final Step: Let’s See If You’re Covered — Including ADAS Calibration
This doesn’t have to be complicated
