Here's a little run down. First of all your glass coverage is combined with your comprehensive insurance coverage. This is insurance coverage that covers damage NOT CAUSED BY A COLLISION, things like auto glass, fire, theft, vandalism, damage from animals or flying objects and storm related damage. Having comprehensive coverage there is normally a deductible, which is your portion to pay when it comes time to pay for the claim.

Before thinking about a replacement, consider a windshield repair. Most insurance companies will waive a repair deductible, and it will not count against you. When companies advertise "Free Windshield Repair" it basically means they will repair the chip and bill the insurance directly, providing you have verifiable coverage, most insurance companies would rather repair than replace whenever possible.

If the deductible is less than the cost to replace your auto glass and you file a claim, it is your choice when it comes to choosing a shop to repair or replace. The insurance administrators tend to steer you towards a shop they have agreements with because of set rates, however, you have the final say so when choosing a repair shop! Even if they say you have to use them, it is always you choice.