Does Insurance Cover Windshield Repair?

Driving with a cracked or damaged windshield can be both dangerous and illegal. While windshield repair or replacement can be expensive, it’s important to fix the issue as soon as possible to avoid further damage or accidents. But the question is, does insurance cover windshield repair? Let’s take a closer look.

Types of Coverage That May Cover Windshield Repair

Depending on the type of coverage you have, your insurance may or may not cover windshield repair or replacement. Here are some common types of coverage that may help you pay for windshield repair:

Comprehensive Coverage

Comprehensive coverage is typically the type of coverage that will cover windshield repair. It provides coverage for damage caused by events other than collisions, such as fire, theft, or vandalism. While comprehensive coverage is optional, it’s important to consider if you live in an area prone to car theft, vandalism, or weather events that could damage your windshield.

Full Glass Coverage

Full glass coverage is an additional coverage that you can purchase with your insurance policy. As the name suggests, this coverage specifically covers any glass damage to your vehicle, including your windshield. If you have full glass coverage, you may not need to pay anything out of pocket for windshield repair or replacement.

Factors That May Affect Your Coverage

While having comprehensive or full glass coverage may help you pay for windshield repair, there are a few factors that may affect your coverage. Let’s take a closer look:

Deductible

Most insurance policies require you to pay a deductible before your coverage kicks in. This means that if your deductible is $500 and your windshield repair costs $300, you would need to pay the full $300 out of pocket. However, if your windshield repair costs $800, you would only need to pay $500, and your insurance would cover the remaining $300.

State Laws

Some states have laws that require insurance companies to cover windshield repair or replacement without a deductible. However, these laws may vary by state and may only apply to certain types of coverage.

Location

Depending on where you live, the cost of windshield repair or replacement may vary. If you live in an area with high rates of car theft or vandalism, you may be more likely to need windshield repair, and your insurance may be more likely to cover it.

FAQ About Windshield Repair and Insurance Coverage

Conclusion

While insurance may or may not cover windshield repair or replacement, it’s important to fix any damage as soon as possible to avoid further issues. Be sure to review your insurance policy and coverage to determine if you have the necessary coverage for windshield repair or replacement.