Does Insurance Cover Windshield Replacement?

When Will Insurance Cover A Windshield Replacement?

Typically, drivers need to carry comprehensive coverage for their car insurance policy in order to cover cracked or broken windshield costs. Comprehensive coverage is often needed to cover any other types of glass damage, as well.

However, collision coverage usually applies when in an accident with another vehicle. Let’s look at a few scenarios when it comes to windshield replacement coverage.

When Collision Applies

Collision coverage will typically cover costs when your car is damaged in a crash.

When Comprehensive Applies

There are a few instances when comprehensive coverage can be applied. For example, damage caused by hitting an animal, fallen debris, or other peril will be covered under the comprehensive coverage umbrella.

It’s important to note if your windshield is damaged due to a car accident when the other driver is at fault, then you can choose to file a claim against the other driver’s insurance to cover your replacement costs.

Will Liability Insurance Cover Windshield Replacements?

Oftentimes, comprehensive coverage will include windshield repairs and replacements. When damage occurs, a deductible generally applies to these claims. This means you’ll be responsible for an upfront payment before the insurer covers the rest.

For instance, if you have a $500 deductible and the repair costs $8,000 total, you’ll be responsible for $500 while the insurer covers the remainder. Some policies may come with “zero deductible glass coverage” or “full glass coverage” as add-ons.

Because of the costs, insurers are usually eager to cover small repairs over full windshield replacements. Many providers will cover the cost of minor repairs without a deductible. This ultimately encourages immediate attention to prevent the damage from spreading and even resulting in a needed replacement.

What To Do If You Have A Broken Windshield

If your windshield is broken, it’s best to file a claim right away before any repairs are made. If the damage occurs while you are driving on the road, pull over immediately and file a claim.

It’s always best to file a comprehensive claim as soon as you can if your windshield suffers any chips or cracks. DO NOT wait too long after the damage occurs to file a claim. The claim should be filed prior to any repairs taking place.

How To File A Claim

With either comprehensive coverage or specific glass coverage, initiating a claim will involve a few steps. The most important thing to do is contact your insurance provider immediately after the damage happens.

The majority of insurance providers will offer several ways to make a claim. Typically, this can be done through mobile apps, online portals, and phone calls. When reporting damage, be sure to provide your policy number, date and time of the incident, and a detailed description of how the damage occurred.

You will also need to report your vehicle’s make, model, year, and the location of said damage when filing a claim. In most cases, an auto repair shop can bill your insurance company directly for repairs and replacements.