Does Insurance Cover Cracked Windshield?

Windshield damage is not only an inconvenience, but also a safety hazard. It can reduce visibility and compromise the structural integrity of your vehicle. If you’re wondering whether your auto insurance covers a cracked windshield, the answer is, it depends. In this article, we’ll explore the factors that determine whether your policy covers windshield repair or replacement.

What is Comprehensive Coverage?

If you have comprehensive coverage on your auto insurance policy, it may cover windshield damage. Comprehensive coverage is an optional add-on to your policy that covers non-collision losses, such as theft, vandalism, and natural disasters. Some insurance providers include windshield damage in their comprehensive coverage, while others require a separate policy endorsement.

It’s important to note that comprehensive coverage typically comes with a deductible, which is the amount you’re responsible for paying before your insurance kicks in. Check your policy to see what your deductible is for windshield damage.

What is the Difference Between Repair and Replacement?

Depending on the extent of the damage, your windshield may be repairable or require replacement. Repairs are typically less expensive than replacements and can be done quickly, often in under an hour. Repairs are best suited for chips and small cracks that are less than six inches long.

If the damage is more extensive, or if the crack is in the driver’s line of sight, replacement may be necessary. Replacement can take several hours and involves removing the damaged windshield and installing a new one.

Does Your Insurance Cover Windshield Repair?

Whether your insurance covers windshield repair depends on your policy, your deductible, and the insurance provider’s guidelines. Some companies offer free windshield repairs with no deductible, while others require you to pay a portion of the cost.

In most cases, insurance providers will cover the full cost of repairs if the chip or crack is smaller than a dollar bill. However, if the damage is larger, you may need to pay your deductible.

What if You Only Have Liability Coverage?

If you only have liability coverage, which is required by law in most states, it won’t cover windshield damage. Liability insurance only covers damages that you cause to another driver’s vehicle, not your own. In this case, you’ll have to pay for the repairs or replacement out of pocket.

Does Your Insurance Cover Windshield Replacement?

Whether your insurance covers windshield replacement also depends on your policy, your deductible, and the insurance company’s guidelines. Some policies include full glass coverage, which covers the cost of windshield replacement with no deductible.

In most cases, if your windshield needs to be replaced, you’ll need to pay your deductible. However, some insurance companies will waive the deductible if the crack can’t be repaired and a replacement is necessary.

How to File a Claim for Windshield Damage?

If you have comprehensive coverage and need to file a claim for windshield damage, there are a few steps you need to take:

1. Contact your insurance company as soon as possible. Most insurance companies require you to file a claim within a certain timeframe after the damage occurs.
2. Provide documentation of the damage, such as photos or a police report.
3. Get an estimate for the repairs or replacement from an approved repair shop or windshield supplier.
4. Pay your deductible, if required.

FAQs

Conclusion

If you’re wondering whether your auto insurance covers cracked windshields, the answer depends on your policy and insurance provider. In most cases, if you have comprehensive coverage, your insurance will cover the cost of repairs or replacement, but you’ll need to pay your deductible. If you only have liability coverage, you’ll be responsible for paying for the repairs out of pocket.

If you need to file a claim for windshield damage, be sure to follow the steps outlined in your policy and work with an approved repair shop or windshield supplier. And remember, it’s always best to have a professional repair or replace the damaged windshield to ensure your safety on the road.