Agent Answer

Ava Lynch

This can be a tricky question to answer. How a claim will impact your rate is specific to the coverage and company you have. In general, a windshield claim will affect your rate but not as much as a collision claim will. Companies consider the amount paid out on the claim when determining rate increases. You will want to contact Geico directly to see what your specific policy will cover and how this will affect your rates moving forward. Some companies offer free windshield repairs under your comprehensive coverage which means your deductible would not apply. Keep in mind, if it does not affect your rate with Geico, it can effect your rate if you try and switch to a different company. Again how claims affect your rate will vary by company. A good rule to follow is, if your insurance company has to pay it will affect your rate in the future. Good luck.