Start with the deductible
If a repair costs less than your deductible, a claim usually would not pay anything. Your policy declarations page lists the deductible.
Glass
Some policies offer separate or reduced deductibles for glass. Others treat it like any other comprehensive claim. Check yours.
Tires and wheels
Flat tires from wear are normally maintenance. Damage from a covered event, like a collision or vandalism, may be treated as part of that claim.
Ask before you file
- Could this claim affect my renewal?
- Is there a time limit for reporting?
- Do I have to use a specific repair shop?
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