A burned out headlight bulb is one of the small jobs that tends to fall between two piles. It is too minor to feel like a repair, but it can be awkward to reach on some vehicles, and the form may say nothing about it at all. The decision is simple to state: either you swap it yourself with the tools already in the trunk, or a shop does it. What makes it hard is that the answer depends on your car, not on the contract.
Sort the bulb by access
Open the hood and look at the back of the lamp before you buy anything. On some vehicles the bulb twists out through an opening with no more than a gloved hand. On others you have to remove a wheel liner, unclip a battery tray, move an air box or take off a cover held in by clips that break easily. Your owner's manual usually shows which steps are needed. If the manual calls for a lift, a special tool or a headlight alignment step, treat it as a shop job unless you are comfortable doing the aim check yourself.
Check the beam after the swap
A new bulb sitting in the wrong position throws light where it should not, and that can matter more than the bulb itself. Park on a flat surface facing a wall at a short distance, and check the cutoff line and the spread on both sides. If the beam sits high or aims to one side, a shop can adjust it, and you should have that done before you rely on the lights at night.
Ask the form before you do it yourself
Before any self-service job, read the form for two things. First, whether it lists bulbs or lighting as excluded, as a wear item, or not at all. Second, whether the administrator asks for proof of routine parts work when a later claim comes in. A form that says nothing gives you no basis for assuming the bulb is covered, and a form that asks for proof gives you a reason to keep a note of what you replaced and when.
Put the questions to the seller or administrator in writing. Ask whether a self-replaced bulb affects any later claim, whether a shop is needed for the aim check, and whether a particular lamp counts as routine maintenance. Keep the reply with the signed copy. The goal is to make the choice yours, made on purpose, rather than leaving it to a form you never read.