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Will GEICO Increase My Rates If I File a Windshield Claim?


David Krug

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It’s normal to feel anxious when you consider filing a windshield claim with your auto insurance company. After all, you want to be sure your rates won’t increase, which is a common worry among drivers. Fortunately, you can rely on GEICO’s commitment to customer satisfaction and cost-effective solutions to get the help you need.

What is Windshield Insurance?

Windshield insurance is an additional coverage option that can be added to your auto insurance policy to protect your windshield from damage due to rocks and other debris. It helps to pay for either repairing or replacing your windshield, depending on the severity of the damage. This type of coverage also typically covers any dings, chips, and minor cracks in the windshield.

Does GEICO Cover Windshield Repair?

Yes, GEICO does cover windshield repair for policyholders who have added windshield insurance to their policy. If you don’t have the coverage and your windshield is damaged, you may need to pay for the repair out of pocket. It’s important to note that GEICO does not cover vandalism, theft, and other non-accident related damages to your windshield.

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Does Filing a Windshield Claim Increase My Rates?

No, filing a windshield claim won’t necessarily increase your rates with GEICO. The company may increase your rates if you have multiple windshield claims in a short period of time, but GEICO will never increase your rates simply for filing one claim.

Are There Any Exclusions to GEICO’s Windshield Coverage?

Yes, there are some exclusions to GEICO’s windshield coverage. For instance, the company won’t cover any damage caused by a pre-existing defect in the windshield before the policy was purchased, or any damage to the windshield caused by a collision. Additionally, GEICO won’t cover any damage that occurred while your car was being used for a purpose other than what it was intended for.

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