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Cracked Windshields: Does Insurance Cover Windshield Replacement?

Cracked Windshields: Does Insurance Cover Windshield Replacement?

Do you find yourself constantly ducking around the big chip in your windshield so you can see where you’re going? Or do you have a massive crack that goes right across your car’s front window?

Whether the problem is small or large, windshield damage can be serious, as well as seriously annoying. Not only do cracks cause visual issues, but they also cost you time and money too.

Depending on the size of the damage, you may be able just to get the crack or chip repaired. If it’s too big, though, your entire windshield will need to be replaced.

You may be asking, “But how am I going to pay for that? Does insurance cover windshield replacement?”

Luckily, there’s a good chance your auto insurance will at least help you pay for a new windshield. Keep reading for information on finding out if your insurance covers windshields, and what to do if it does.

Should I Repair or Replace My Windshield?

Repairing your windshield is cheaper than replacing it. So, make sure you actually need a replacement before you get one.

In general, if the damage is smaller than a dollar bill or six inches, you’ll be able to get it repaired. If it’s larger, you’ll have to replace the entire windshield.

Whether the damage is small or large, you should get it addressed as soon as possible. Windshield damage can be dangerous, so act fast!

Comprehensive Coverage

Auto insurance companies offer at least the minimum coverage that you’re required to have. So you’re guaranteed to have that level of protection.

Other optional insurance, including comprehensive coverage, will likely be offered to you. You’ll decide whether you want this extra coverage or not.

Comprehensive coverage is where you’re most likely to find windshield coverage. This kind of insurance covers damage to your car that isn’t caused by other vehicles. This means things like fallen trees, hail, pebbles flying up from the street, fire, theft, and more.

If you’re hoping to repair or replace your windshield, check to see if you opted in for comprehensive coverage. Or, if you’re signing up for new insurance, make sure you select that option.

Make sure you check the details of your insurance plan. Some plans may only offer coverage for side windows, so make sure your plan covers the front and back ones as well.

Full Glass Coverage

You may also have windshield options as part of full glass coverage. This is another option protection plan and may not be available in your state.

Depending on your insurance plan, it may be included in comprehensive coverage. It may also be an entirely separate option.

If you have full glass coverage, there’s a chance you may not have to pay anything to replace your windshield.

Liability Insurance

There’s a possibility another person will damage your windshield. If this is the case, the person’s property damage liability insurance will cover the damage.

Make sure you follow up the case to ensure the other party completes the necessary repair and replacement.

Collision Coverage

You may have windshield damage that occurred due to your own actions. If you cause an accident that results in damage to your windshield, your collision coverage will kick in.

How It Works

If you have comprehensive coverage, you’ll have a deductible you need to pay. If you have full glass coverage, you may not have to pay a deductible.

Your deductible is the amount you are required to pay. You’ll have to shoulder this amount before your insurance company helps pay for a repair or replacement.

Your deductible amount will depend on the terms of your insurance plan. It also depends on the state you live in.

Windshields don’t all cost the same, so they can range from relatively inexpensive to pricey. Becuase of this, there’s a chance your deductible may be more than the cost of replacing your windshield.

If your deductible is, say, $500, but it only costs $300 to replace your windshield, your insurance won’t help pay at all. This is because you haven’t met the amount you’re required to pay.

Depending on the terms of your insurance plan, it may not be worth filing a claim to your insurance. If your insurance doesn’t put any money towards the replacement, consider not filing. While windshields are common insurance claims, claims will stack up and can eventually lead to higher insurance costs for you.

How to Find Out If You Have Coverage

To find out if you have coverage, you’ll have to contact your specific insurance provider. Even if the company offers coverage, it won’t do you any good if you didn’t opt in for it.

Consult your policy documents. Visit your provider’s online system, or call a representative. You’ll need to discover the details of your insurance to find out if you have coverage for your windshield.

While you’re there, find out how big or small your deductible is. You’ll want that information when you’re comparing auto glass companies.

Does Insurance Cover Windshield Replacement? Yes!

There are multiple ways you could use your insurance to help pay for a windshield replacement. Whether you caused the damage, a rock, or another driver, you have options to help you pay.

Filing a claim and using your insurance may not be worth it, though, if your deductible is high enough that they won’t help anyway. So research your auto insurance plan to see what help you can get.

If you still find yourself asking “Does insurance cover windshield replacement,” the best option is to contact your insurance provider directly. They’ll tell you exactly what’s covered under your insurance plan.

We’d love to help you repair or replace your damaged windshield. Visit our website for a free quote today!

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