Car Insurance: Does it Cover Windshield Damage?

Jan 18, 2023

Auto Insurance

Car Insurance: Does it Cover Windshield Damage?

Driving with a cracked windshield is extremely dangerous. You're vulnerable to potential hazards on the road, such as bumps and traffic cones. You may be involved in an accident. You may be concerned about whether your car insurance covers windshield damage. Here's a closer look at whether car insurance covers windshield damage.

Does Car Insurance Cover Windshield Damage?

Car insurance generally covers windshield damage. Collision coverage takes over if your windshield sustains damage from a car crash. Comprehensive car insurance steps in if your windshield sustains damage due to a unique scenario. Inclement weather may cause windshield damage. The damage may be caused by accidentally hitting an animal while on the road. Regardless of the circumstances, comprehensive insurance will step in to assist with the repair or replacement costs. Also, be aware you can file a claim for someone else's insurance to cover your windshield repair costs if they are responsible for the damages.

How to Proceed If You Have a Damaged Windshield?

Windshield damage is generally an emergency unless you have a tiny chip. However, that small chip should be repaired as soon as possible to avoid the possibility of it spreading. Pull over and take pictures of the damage if your windshield sustains significant damage. You should process your claim before taking your car to the repair shop.

Potential Windshield Repair/Replacement Costs

Repairing a windshield is generally cheaper than replacing it. The cost of repairing a windshield depends on the glass that needs repair. However, the potential windshield replacement costs depend on multiple factors, including your car's model, location, and the type of glass you want to install. Another variable to consider when researching whether car insurance covers windshield damage is your policy deductible. Your car insurance deductible is the amount you are responsible for paying toward the loss before your insurance handles the remaining balance. It's recommended you speak with your insurer because some car insurance companies will cancel the deductible for a damaged windshield if the policyholder has comprehensive coverage.

Potential Exclusions

If windshield damage is excluded from your car insurance, you'll still need to find a way to repair your vehicle. Driving with impaired vision because of a cracked windshield puts you at risk of causing harm to yourself and other drivers while you're on the road. You would also technically break the law if you attempted to drive your car while the windshield was damaged.

Things to Consider

In some cases, it may not benefit you to file a claim for the windshield damages. It's recommended that you examine your deductible. If your estimated repair costs are lower than your deductible, it may be more beneficial to pay for the repairs out of pocket. Filing a small claim has the potential to raise your car insurance premiums.

Consult with Corbett & Associates Insurance

Comprehensive and collision insurance can cover potential windshield repair and replacement costs. The team here at Corbett & Associates will help you find the right car insurance policy to tailor to your needs.

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