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Frequently Asked Questions
Does comprehensive auto insurance cover windshield replacement in California?
Yes, comprehensive coverage covers windshield replacement from non-collision events including rock chips, falling debris, hail, and vandalism. California law requires insurers to waive the deductible specifically for chip repairs that don’t require replacement.
Will a windshield claim raise my insurance rates in California?
Typically no. California treats comprehensive glass claims as not-at-fault events, which generally don’t trigger premium increases. However, multiple claims in a short period may affect your renewal. For chip repairs (which are free under comprehensive), always file — there’s no financial downside.
What’s the deductible for windshield repair in California?
For chip repairs, California law requires insurers to waive the deductible entirely — your out-of-pocket cost is $0. For full replacement, your standard comprehensive deductible applies (commonly $250–$500 depending on your policy).
Does insurance cover ADAS recalibration after windshield replacement?
Yes — if your windshield replacement is covered by comprehensive insurance, ADAS recalibration is typically included in the claim as part of restoring the vehicle to pre-loss condition. Confirm with your insurer and ensure your shop performs recalibration on-site.
How do I file a windshield insurance claim in San Diego?
Call your insurer’s dedicated glass claim line, confirm you have comprehensive coverage, and ask about your deductible. Most reputable El Cajon auto glass shops — including Cali Auto Glass & Tint — will verify your coverage and bill your insurer directly, so you don’t deal with paperwork.
What insurance companies does Cali Auto Glass & Tint work with?
We work directly with all major insurers in California including AAA, State Farm, Geico, Progressive, Allstate, Farmers, Mercury, and Wawanesa. We handle the insurance billing directly so you just show up for your appointment.
