Auto Glass Replacement After a Deer Accident — Without Paying Out of Pocket!

Accidents involving deer are surprisingly common, especially during the fall and winter months when deer are more active. If you've recently hit a deer and your vehicle has sustained damage to the windshield or other auto glass, you might be worried about the cost of repairs.

Fortunately, with the right insurance coverage and proper procedures, you can often get your auto glass replaced without paying out of pocket.

Understanding Auto Glass Damage from Deer Accidents

Hitting a deer can cause various levels of damage — from minor chips or cracks to complete windshield replacement. The severity depends on factors such as the deer's size and speed, as well as the location of the impact. Sometimes the damage is apparent, but at other times it might be hidden or develop over time.

It’s essential to have your vehicle inspected promptly after the accident. Driving with a compromised windshield not only obstructs your view but can also be unsafe and illegal, depending on local regulations.

Insurance Coverage for Auto Glass Repair

Most auto insurance policies cover windshield and auto glass repairs or replacements. Here’s what you should know:

• Comprehensive Coverage: Usually includes damage from deer collisions. If you have comprehensive coverage, you’re likely covered for the repair or replacement costs.
• Deductibles: Check your policy's deductible amount. If the repair cost exceeds or is close to your deductible, filing a claim may be worthwhile.
• Glass Coverage: Some policies include specific glass coverage, which may offer lower deductibles or none at all.

Before proceeding with the claim, review your policy details or contact your insurer to understand your coverage limits and deductibles.

How to Claim Auto Glass Replacement Under Your Insurance

1. Document the Damage: Take clear photos of the damaged auto glass from multiple angles. This helps process your claim and provides evidence of the extent of the damage.
2. Contact Your Insurance Company: Report the incident promptly. Many insurers have dedicated claims lines for auto glass damage.
3. Get a Repair Estimate: Most insurance companies require an estimate from an approved or preferred auto glass repair shop.
4. Schedule the Replacement: Once approved, arrange for the repairs. The insurance company might cover the full cost or require you to pay your deductible first.

Benefits of Filing an Insurance Claim for Deer-Related Auto Glass Damage

Filing an insurance claim can save you money in several ways:

• Avoid Out-of-Pocket Expenses: If your damage is covered, the insurer will handle most costs, reducing or eliminating your financial burden.
• Prevent Further Damage: Prompt auto glass repairs prevent cracks or chips from worsening, which could lead to more expensive replacements later.
• Maintain Vehicle Value: Keeping your auto glass in good condition preserves your vehicle’s value and safety.

Tips to Make the Process Smooth

• Choose a Certified Auto Glass Shop: You have the right to work with any auto glass repair and replacement shop you want, as long as they are in your insurance company’s network. Don’t go with the first company they suggest. Instead, check for local shops in the network and read reviews. Independent auto glass companies provide quality service with excellent customer relations.
• Understand Your Policy: Know your coverage limits, deductibles, and claim procedures before initiating the process.
• Keep Detailed Records: Save all communication, estimates, receipts, and photographs related to the damage and repairs.

Preventive Measures and Final Thoughts

While accidents can’t always be avoided, maintaining awareness during wildlife season and practicing defensive driving can reduce your risk of deer collisions. Always stay vigilant, especially during dawn and dusk when deer are most active.

Were You Involved in a Deer Accident in the Salem, VA Area?

If you were involved in a deer accident that resulted in auto glass damage in Lexington, Blacksburg, Lynchburg, or the surrounding areas of Virginia, contact us at Innovation Auto Glass. We are a preferred partner with most insurance companies and can assist with your insurance claim.