Does auto insurance cover windshield replacement?


Replacing the windshield has always been the premium auto insurance claim. Road debris from construction vehicles and trucks can cause a surprising amount of damage when traveling at 65 miles per hour. A small pebble could crack your windshield. Many people ask, “Does the insurance cover damage to the windshield?” The answer depends on the type of auto insurance coverage you have.

Having the coverage to repair or replace damaged glass can save you hundreds of dollars or more. If you don’t have a windshield cover, replacing a broken windshield can cost up to $ 400 for a standard vehicle and up to $ 1,500 for a luxury model. Full coverage is what you need in your policy to repair or replace your windshield. Carrying this blanket can be a wise financial decision, especially if you plan to spend time on the freeway.

Does auto insurance cover damage to the windshield?

There are two main types of auto insurance, commonly referred to as minimum coverage and full coverage auto insurance. Minimum coverage auto insurance is the most basic type. It means the minimum coverage that is legally required in your state to drive a vehicle. That said, states do not require optional coverages like comprehensive coverage and collision coverage. Therefore, if your windshield cracked due to a stone hitting it while driving on the highway, full coverage would not be available to help cover repairs.

Comprehensive coverage extends required state coverage and adds comprehensive and collision coverage to your auto policy. These add-ons help cover repair costs for risks such as fire, flood, theft, vandalism, and damage to your vehicle from a at-fault accident.

Are windshields covered by insurance? They would usually be through the full coverage portion of your policy. But depending on your insurance company, the state you live in, and the event that caused your glass to break, there may be other options. Here’s how each type of coverage might work for your vehicle’s glass damage.

Collision insurance

Collision insurance pays for losses and repairs to your vehicle that were caused in an accident. If your windshield is cracked after backing up another vehicle or entering a pole, collision insurance will likely cover damage to the windshield less the amount of deductible you chose for that coverage.

Back to back insurance

Comprehensive insurance adds protection for other events unrelated to a collision. Imagine that a tree branch falls on your vehicle, a stone hits the window, you hit a deer, or a severe hailstorm splits your windshield. In all of the cases mentioned, comprehensive insurance could pay to replace the damaged glass, less your deductible.

Full glass coverage

Insurance companies have a full glass coverage add-on available in many states that you can purchase in addition to comprehensive insurance. It is exclusively dedicated to repairing or replacing windows and often with a $ 0 deductible option.

Will I have to pay a deductible?

According to the insurance journal, most auto insurers waive the all-risk insurance deductible for a repair. However, unless you live in the “zero deductible” states of Florida, Kentucky, and South Carolina, you will need to pay a deductible for a replacement.

With respect to the three states mentioned, state law does not allow carriers to sell full glass coverage with a deductible.

What if I don’t have comprehensive insurance?

If you don’t have comprehensive insurance, you can always have your windshield replaced. If you were involved in an accident that damaged your windshield and the accident was the fault of another driver, the driver at fault (or their insurance company) would have to pay your expenses from their policy. liability insurance. However, most of the other scenarios would come under full or collision coverage, and without these coverages, you will be paying the expenses out of pocket.

How to file a windshield damage claim

To file a windshield replacement claim, you must first assess the extent of the damage. A good rule of thumb suggests that if a crack in the glass is at least six inches long, a full windshield replacement is safer.

Small chips or cracks can be repaired by an auto glass professional without removing the entire windshield. If you are unsure whether a windshield repair or replacement is necessary, your insurance company or a glazing specialist can tell you.

Time is running out if your windshield is damaged. Even a small chip or crack could spread quickly. And damage to the glass could affect the strength and integrity of the entire windshield. To file a windshield claim:

  • Photograph and measure the damage to determine if a repair is sufficient.
  • Make a claim online, over the phone, or by visiting your local insurance agent.
  • Provide the photos or size of the damage to your adjuster.
  • Choose a glass and windshield specialist from the options offered by your insurance company. You may need to bring your vehicle to a facility, although many companies offer a mobile windshield service that comes to you.

Frequently Asked Questions

Does my insurance cover replacement of the windshield?

Most auto insurers cover windshield replacement if you have full coverage on your policy. In some cases, deductibles are waived for windshield repairs. However, if you need to replace the windshield completely, you will likely be responsible for paying your full deductible, unless you live in a “zero deductible state”.

Should I replace or repair my damaged windshield?

The best way to decide if a glass repair is sufficient is to measure the damage. If it is less than six inches, you may just need to fix the windshield. But if the damage is more than six inches, the glass could become dangerous, and a new windshield might be the best option. Contact a glass repair specialist for advice if you are in doubt as to whether your windshield needs repair or replacement.

How much does full auto insurance cost?

Full coverage auto insurance is more expensive than minimum coverage, but it provides the optional full and collision coverage you need to cover damage to your vehicle. The annual average cost of auto insurance for full coverage auto insurance is $ 1,674 per year.


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