I own a Tesla Model Y and recently got a 2-inch crack in my windshield from a small rock. I have full glass coverage with Geico in New York, with no deductible.
Tesla quoted $1,680 for windshield replacement, as the crack is larger than 1 inch. However, Geico said they would only cover up to $60 for windshield replacement and would cover a glass repair at Safelite with no out-of-pocket costs.
Given that my car is only 4 months old, I prefer Tesla to replace the windshield rather than risk a subpar repair from Safelite. Can Geico refuse to cover the amount quoted by Tesla? A $60 limit seems unreasonable.
Review Your Policy: Check your Geico policy to understand your coverage details. If you only have liability coverage, you may be responsible for windshield replacement costs.
Explore Options: Although Tesla’s quote is higher, consider using a glass shop that specializes in repairs. They might handle the claim and potentially reduce your out-of-pocket expenses.
Contact Geico: Discuss your situation with Geico. Ask if they can reconsider the coverage limit or offer alternatives. Be ready to negotiate based on their policy terms.