A cracked windshield may not seem like a big deal at first, but it can quickly become a safety hazard and an expensive repair. It might start as a tiny chip from road debris and spread into a long crack across the glass. Windshield damage is one of the most common auto insurance claims. So, will your insurance company help cover the cost?
Let’s break down when auto insurance covers windshield repairs or replacement and what to know before filing a claim.
When Auto Insurance Covers Windshield Damage
Windshield coverage typically depends on the type of insurance you carry. Here’s how different policies usually apply:
Comprehensive coverage: This is the most common type of policy that covers windshield damage. It applies if your windshield is cracked or broken due to non-collision events such as:
- Road debris
- Falling objects (like tree branches)
- Hail or weather events
- Vandalism or theft
Collision coverage: If your windshield was damaged in an accident with another vehicle or object, your collision coverage may pay for the repairs. However, it’s subject to your deductible.
Full glass coverage (optional): Some insurers offer this as an add-on. It covers windshield repair or replacement without requiring you to pay your deductible. This option can be helpful if you drive frequently or live in an area prone to road debris or extreme weather.
When Windshield Damage May Not Be Covered
There are situations where your insurance might not cover the repair:
- You don’t carry comprehensive or collision coverage.
- The damage is considered cosmetic and doesn’t impair visibility or safety.
- Your policy excludes glass damage or requires a high deductible that exceeds the repair cost.
Always review your policy details or talk with your insurance agent to understand what’s included.
Steps to Take If Your Windshield Cracks
If your windshield is damaged, here’s what you should do:
- Take clear photos of the crack or chip.
- Avoid extreme temperatures that could cause the crack to spread.
- File a claim through your insurance company’s app or website.
- Choose an approved repair shop, if required by your policy.
Acting quickly can prevent further damage and keep your repair costs lower.
Should You File a Claim or Pay Out of Pocket?
If the repair cost is less than or close to your deductible, it might not be worth filing a claim. Minor chips and cracks can often be repaired for under $100. However, if the entire windshield needs replacement or if you have full glass coverage, filing a claim may be the better choice.
Your insurance agent can help you weigh the pros and cons based on your policy and deductible.
Protect Your View, Protect Your Vehicle
A clear windshield is essential for safe driving. A small chip may seem minor, but it can grow over time and create a bigger, more costly problem. Knowing how your auto insurance covers windshield damage gives you confidence to handle repairs without delay.
Need help reviewing your coverage or updating your policy? Talk to a licensed agent at InsuranceHub. We’re here to make sure you have the protection you need, from bumper to glass.
Disclaimer: This content is for informational purposes only and does not constitute legal or financial advice. Please consult your insurance provider for specific coverage details.