Tesla Windshield Replacement (Good to know)

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Here’s my train of thought as to why I would/will get the windshield insurance: Making claims through your insurance (even if it’s 0 cost to you upfront) raises your next premium the next cycle. Making claims through Tesla, doesn’t.

What they don't tell you is that making a claim will raise your rate at the next renewal, and if you make 2 claims in the same period then there's a chance they don't renew you at all.

Claims = more on premium. The increase in premium price is probably gonna be more than what you’ll pay all year for the Tesla plan.

At least with GEICO in NY, doesn't matter what kind of claim it is; if it's over $1000 (which the Tesla windshield is), it'll count as a full claim and go against your rates next renewal. Plus glass coverage is an additional ~$50/6 months so it's about equal with Tesla. For $12/month, and for it not to be put into LexisNexis, is worth it imo.

Assuming you’re in a state that counts a windshield replacement as a claim.. the Tesla insurance will also count as a claim on your clue report.

Why are people assuming replacement claims under this plan will not be reported?

Teslas window replacement is just an insurance policy through Tesla. If you file a window claim with them your main insurance will find out about it & your insurance will likely go up.

The [T&C of the Windshield protection plan](https://digitalassets.tesla.com/tesla-contents/image/upload/tesla-windshield-protection-terms-and-conditions.pdf) does not indicate that this is an insurance policy underwritten by anyone. It's just a service agreement (in the same way that AppleCare is). Tesla does not know my SSN, which IIRC is a requirement in order to report to CLUE. In addition, I would've expected to sign something indicating that Tesla is adhering to Fair Credit Reporting Act, as they probably would've pulled my credit (which, again, couldn't have happened since they didn't ask for my SSN) in order to make a determination as to whether or not they would underwrite me.

It’s funny because this is doubly true if you have a low deductible, which you need if you’re getting a windshield replaced. Otherwise, say it’s a $500 deductible, $750 new windshield, you’re paying $250 out of pocket but your insurance goes up for years… kinda dumb. If it’s $1000 or over what’s the point, wouldn’t even meet the deductible. I used to just pay for windshields out of pocket. But teslas insurance already paid off. Has it for only a few months and already have a massive crack on my model X windshield.

Not sure if it's the same in every state but State Farm in Arizona never requested the SSNs for anyone on my insurance. If you have the windshield protection plan it may be worth asking Tesla directly.

Have USAA, WA State, and they don’t even offer separate glass coverage, either for free or paid. It’s it’s simply not even something that I can purchase.

The Tesla windshield insurance is a whole lot cheaper than the premium increase Progressive will give you after your first claim. Mine went up $100 a month

Farmers offers a low cost windshield replacement program, but not in my state.. because they aren’t required to. They won’t sell me it. This really depends on the state. Most insurance companies aren’t going to cover windshields separately if they aren’t required to by law because it ends up costing them more money. Here, it’s just a comprehensive claim.. normal 500 deductible applies. If you live in a state that requires low cost windshield replacement policies, use that. My appointment for the inspection is in 2 weeks.. watch my windshield crack the day before. And these are 1700 windshields..

I have the same $0 glass deductible coverage from Progressive on my Tesla. I got my windshield replaced in 2019 and submitted the claim and got paid. Unlike what others are claiming here, my rates didn’t go up. In fact they went down substantially in 2020 & 2021 but that’s also partially because of the pandemic. I’m once again getting my windshield replaced now - so let’s see what happens at the next renewal.

Is that true for windshield replacements? I've never had an issue with my premium increasing or losing coverage from making a windshield claim.

I had my windshield repaired and it did not affect my rates. If you think about it, damage to the windshield is typically completely out of the control of the driver (i.e., not the driver's fault), and they don't want you driving with an obstructed view because that is more likely to lead to an accident.

Yup, I got a chip and assumed that the insurance covered the chip fill without reporting. Hello higher premiums for a $50 chip fill. Next time I’ll just do the fill myself.

Only if you have comprehensive coverage. Having the mandatory minimum only (liability) does not Include windshields.

I hear you. My appointment is 8/14 (every morning I go out to the car I slowly approach the windshield). I just missed the Tesla new car (no appointment necessary) deadline by a few hours I guess. I waited until the last day and tried to subscribe but it wouldn’t go through. Getting a lot of comments and now I have some time to absorb.

And in Texas the only way to get the $50 glass deductible is to have the mechanical breakdown down coverage which can only be purchased on vehicles with less than 15k miles. How do I know this? Because I have a cracked windshield and when I filed the claim with Geico, my deductible was the full comprehensive amount.

I've got a Model S and and I am an agent in WA and OR. At least for the company I work for, we establish a points based system. Most comp payouts don't count as points against you. This is different than a state having driving record points but a similar ranking system internally. We only care about collisions and reckless driving. More than 2 collisions for an at-fault driver in a three year period and we don't write the business. Also, we raised our comprehensive threshold to $1000 because of more expensive windshields. Model X owners may have it count against them but most other models should be fine.

All comprehensive claims are out of the driver’s control. One claim every few years is probably not gonna affect anything, but I’d be worried about having another one in the same period. My rates have recently gone up because I got rear ended twice and had a windshield replaced all within 6 months. None of it was my fault, but I’m a risk now and they’re going to price me accordingly. I got the windshield plan so I don’t have to worry about rocks ruining my insurance any further. It would take more than 10 years until that $12/mo reaches the cost of just one windshield replacement.

Just had my model s windshield replaced in Florida with progressive. Can confirm it cost me nothing (at least for now - I’m sure insurance will continue to raise premiums).

Damage to windshields comes from where you drive the car. Which is not out of control of the driver.

To all those saying it raises your rates to claim your windshield. I’ve had a replacement almost every other year for one of our cars on the plan. They haven’t raised our premium in California. I just pay the $500 deductible and they swap the windshield.  It’s rocks. There are rocks kicked up and crack the window.

>Damage to windshields comes from where you drive the car. On the road?

You made an insurance claim on a $50 chip fill?

I think Model 3 and Model Y OEM windshield replacements are all north of $1,000.

Who is out here driving a $40k+ car with liability only?

That's unfortunate. I would have thought since many of the 3 and Y didn't have acoustic that perhaps it was a little less. Inflation is hitting everything.

They do free chip fills with a separate website specifically for windshield chips. I didn’t realize it was a full fledged claim when I did it, everything seemed like it was just some courtesy thing. It ended up being reported on my CLUE report and now when I quote places I have to mark that I’ve had a past claim. On me for assuming, but I won’t make that mistake again.

Was this through Tesla Windshield protection policy or was it through your own insurance?

My own

Exact same thing happened to me! Total scam. The way it was worded they made it seem like a windshield claim had no impact to your claim history/future rates

Instead of adding insurance, there should be a class action against Tesla Windshield: so easy to break comparing to other makers.

Awesome! Thanks for the clarification.

I doubt this is the case. My gf hit something in her garage and took the car to Tesla to get the scrape fixed. They did it but also it showed up in her clue report by Lexis nexis.

I’m in Florida. We’ve actually gotten our windshields replaced with no deductible and no premium increase. Without looking to verify because I’m lazy.. I think it’s a legal statute that we can fix a windshield once a year with no deductible or premium increase. Fun fact - Windshield repair companies used to stalk parking lots looking for people that could file a claim and offer them upwards of $200 cash as a kick back for fixing the windshield once. This soon after became illegal.

Many states with laws on the books barring deductibles for comprehensive glass claims similarly forbid premium increases. The caveat is this: your insurer will drop you if you have one too many.

A few states require a "no deductible windshield replacement policy" by law, but most aren't lucky enough to live in those states. I'm happy with the $12/month program, plus it also covers replacement for my tint if I the entire windshield gets replaced.

This is pretty common with insurers. Divers with a cracked windshield are more likely to get into a more serious accident, which could be costly to the insurer. Statistically it's better/cheaper for them to just pay to fix windshields for free to make sure drivers do it. They don't want people avoiding fixing their windshield because of the cost, and then being more likely to get into a costlier accident because of the poorer visibility.   So they do all they can to encourage drivers to, and give drivers no reason not to fix their windshield. My car insurance provider when you sign on literally sends you a dedicated letter saying what equates to: "We will pay all costs for a chip repair or windshield replacement. You do not have to pay a deductible, it does not count as a claim or affect your No-claims bonus. It will not affect your renewal cost. FOR THE LOVE OF GOD PLEASE FIX YOUR DAMN WINDSHIELD"

Your premium will increase though. I had one in Florida 3 years ago then the next renewal almost doubled.

I really think a lot of people don't know what their insurance policy says and they just parrot stuff they see on Reddit. Or maybe a lot of people just have really bad insurance and driving records.

Your no deductible windshield will cost you higher premiums. Windshield replacement count as a claim just like an accident.

Cant get it for the Cybertruck right?

This doesn't track, did you use insurance to pay for the damage? CLUE is only for underwriting. If the damage was over a certain amount, Tesla may have reported it to your state's DMV & things like CarFax, etc. are made aware, but I don't see how Tesla would've reported the service to CLUE unless some underwriter paid out.

No insurance was used. She found out when getting a quote from progressive. At the end it showed she’d had an accident at the time she had the bumper patched. I assumed it was the clue report because that’s what I’ve read insurance companies use. Either way Tesla reported it as an accident even though no insurance claim was filed.

Hi, did Progressive allow you it replace it at a Tesla service center?

I have Tesla insurance and in Arizona they offer $0 glass deductible for Tesla insurance. I’ve cracked my windshield 3x since buying a 2025 model3 last December. I switched from the Tesla insurance plan to the windshield protection plan from the number of claims I was making. Plus the windshield protection plan was actually cheaper anyways in my case.

All 3/Y have acoustic windshields, it's just the side glass that has changed over the years.

This is very informative. Thanks! If you read all of the comments it seems the respondent majority claim that premiums increase due to a windshield replacement claim. I’m of the persuasion that premiums increase regardless of a windshield replacement claim.

NY state, a windshield claim, does not increase your premium and does not count as a "Claim" (As far as i know)

3 states according to my progressive agent. Guess I’m one of the lucky ones.

How do you manage to break a windshield every other year, out of curiosity?

3 cars. One we drive to Texas from California twice a year. It’s usually that one. Plus my city is under construction constantly and rocks get kicked up by trucks on the highway.

Another thing to keep in mind is whether or not your insurance will cover OEM glass. I just had to replace the windshield on our non-Tesla vehicle and specifically requested OEM glass through Safelite. My insurance denied the claim and I would have had to pay the difference out of pocket. It seems like insurance companies will only cover the cheap Chinese aftermarket glass. Does anyone know if the Tesla windshield replacement covers replacing with the actual OEM glass?

We talked to our progressive agent and she said their preferred supplier is safelite I said I would want to get the replacement at Tesla (not sure if Tesla actually does the work at their service centers or if they farm it out but the goal is to not affect anything that could affect warranty). The agent said just bring in the receipt and I will get reimbursed. I guess I should probably get that in writing.

Same in Colorado for me.

Same in Arizona

Where on Earth did you hear this at? I’m gonna say that’s absolutely false.

Who would they be reported to?

you could be right.. problem is the TOS doesn't clearly say that this program is not an insurance policy. Assuming it's an insurance policy the claim will likely be reported & your insurance will see the claim.

Claims do not go up in florida for windshields. I travel a lot 3000 miles a month have broken about 1 windshield every two years. For the last 8 years and have not had an increase due to replacement.

It’s nowhere in the Terms and Conditions. The fact they call it an “Agreement” and “subscription” leads me to say it’s not insurance, nor would it be reported as much.

Has anyone had their windshield replaced by tesla? Curious on cost and time it took

I got a quote from Progressive that was like $200/month *more* than I am currently paying.

I've still yet to be offered that plan through Tesla.

how on earth do you think that’s how it works? even if it’s an insurance policy it is a SEPARATE policy than your regular insurance policy. it’s not the same. if your insurance policy doesn’t have to pay out for something they couldn’t care less what ANOTHER policy does have to pay out.

I can see you clearly don’t know how insurance works.

I’ve had 3 rocks hit my windshield in the 2 months I’ve owned it and have huge cracks. I blame fsd for following so close. I have the windshield insurance just gotta find the time to get to Tesla and get it fixed

no, you don’t.

Exactly. You can get a rock chip anywhere.

just buy a new windshield tint it and give us jizz pics. Lits

Pet Lizard is the WORST insurance company we ever had. We ran after our first incident where Pet Lizard was incohoot with body shops to make us use their body shop for fixes. That's why I don't even remember this insurance name!!!

State Farm dropped us for 4 comprehensive claims in five years. 3 of them being window claims, one deer hit me and the last one was I ran over a brick that fell from a semi on the interstate. What upset me the most was we had been with that company for almost 30 years and I had 4 vehicles insured through them. So statistically vs a common household that has 2 vehicles insured, I only had one incident per vehicle in five years. It also put my information into a database that hurt my chances of getting insurance from other carriers. Something like Nexis Lexus!

I had Progressive do the same spiel on me but was nevertheless able to get it fully covered through Tesla.

I was able to get my glass replaced at Tesla with Progressive, same as you though: they initially tried to bully me into Safelite.

I believe I’m going to fight it next time I try to replace a windshield. I hate dealing with insurance companies of any kind because they do everything they can to avoid paying out claims.

Hmmm. I thought I read that these were not in all 2018's and people were getting upgrades when replacing them. Either way, I'm not looking forward to replacing my S' windshield. 3 days after I bought it I got a star. It's filled but will eventually be due.

IIRC, claims are reported to [Lexis Nexis CLUE](https://risk.lexisnexis.com/products/clue-auto) so insurance companies can share claim histories.

Insurance companies share all claim information. Like a equifax for auto insurance.

You're not doing a claim with an insurance company when you use the Tesla windshield protection plan. It is not an insurance thing. It is a subscription-based service. There is a difference.

Right, not through the Tesla subscription. 😭 According to Grok they’re about $1900, but prices can vary from $1500-2500 depending on labor and location costs. You’ll definitely want to go through Tesla Service with any Tesla model as the cameras will need to be recalibrated.

Satellite can do it too, they’ve replaced on S and 3 before. Usually have to take it to a facility of theirs. Tesla partners with Safellite on replacements. As for the Cybertruck, yea I guess I’ll go to Cybertruck, but hopefully never need to worry about it

You don’t pay per vehicle if you’re not driving them all. Two drivers with 200 cars would be expected to have the same number of claims as two drivers either two cars.

Unless they aren’t allowed to drop you none of that matters.

I did tjenreplacememt with Tesla State Farm Covered only 500 after deductible. So I am subscribed to Tesla warranty on windchill wont impact insurance and free replacement once every 12 months

True.

My 3 week old model 3 that I had bought the replacement plan for got a crack in the windshield gets a new replacement tomorrow. $0. Will let you know if they report anything.

I need to move to FL, I've paid over 4k in windshields

Every new Tesla I’ve gotten has also had a crack within the first few months of ownership. I swear the factory windshields are terrible or I’m the most unlucky person with them. They also charge a crazy premium. Owning a Tesla has definitely never saved me a single penny vs gas lol. Expensive tires, crazy depreciation, expensive glass.

Just an FYI for anyone that's looking to do this. Say you saw that they have this program and you have a cracked or chipped windshield you actually can't get into the program until the windshield is actually fixed and free of damage. But say you make a claim with your insurance they're going to tell you hey yeah Safelite is an authorized place to get your windshield replaced for your Tesla and will schedule you an appointment and all that stuff. But here's the crucial thing here You DO NOT want to have Safelite repair your windshield because it's specifically states that to be approved for the windshield replacement program Tesla actually has to be the one to replace the windshield. So basically you'll get a free inspection to check and if you have cracks or Rock chips don't want you to get that fixed first. But if you go through Safelite and then you go in and do your free inspection they're going to see that it wasn't replaced by them that's saying oh yeah we can approve you for this because your windshield is replaced by somebody else even though they're authorized. So now to be part of that program you would have to pay Tesla again just to replace a brand new windshield you already had. So if you're planning on replacing your windshield and getting into this program make sure you do it through Tesla and not use safelite. Call me downside to this is Tesla doesn't work with insurance at all and so you would have to make a claim with your insurance and then get what the total cost is and provide that to your insurance and you'll have to basically pay the full cost and then have your insurance hopefully reimburse you. As far as doing research people have successfully done that with their insurance but sometimes they may say oh this is actually higher than what we estimate it's going to cost so we can't cover that amount we can only cover up to this amount which means you might have higher I'm out you have to pay for one the $500 deductible plus the extra amount which you've already paid so instead of getting back let's say it was $1,500 to fix it you're not getting back a thousand you may only get back like 7 or 800. I'm in this exact bind right now but I read the print before actually going to my Safelite appointment so I'm going to actually cancel my Safelite appointment in contact my insurance to figure that out.

Yeah that's crazy. And especially with like windshield claims there's no way to really avoid like rock chips and damage and things like that unless you just leave your Tesla in the garage and not drive it. Also especially if you live in areas that are worse like Utah the freeways are horrible and there's always trucks dropping rocks and things like that and my windshield gets horrible pitting and I've gotten some cracks and of course one of them happened right where the camera views out the windshield.