Question

Does car insurance cover windshield replacement?

You'll need to use the comprehensive insurance part of your car policy if your windshield is chipped or broken. Falling artifacts, vandalism, extreme weather, and animal accidents are just a few of the issues that may cause damage to your windshield.

If you have comprehensive coverage as part of the insurance policy, it will cover your window damage. So, when a rock strikes the windshield or someone damages it in the act of vandalism, the comprehensive coverage will kick in. But if you’re in a car accident and your windshield gets damaged, collision coverage may cover the cost. It should be included in the premium.  

However, in most cases, windshield repair or replacement falls under comprehensive coverage. When using comprehensive coverage to replace the windshield, you usually won’t have to pay a deductible. But depending on where you live, a deductible might apply if the windshield needs a full repair. 

In general, if you do not have comprehensive coverage, the policies would not cover the cost of replacing your windshield. There are two significant exceptions where liability insurance alone will suffice to repair the vehicle. If another driver collides with your car and the fault is on their side, you will be compensated. When you file a claim against the property damage liability coverage of the other driver’s car insurance, the windshield or other components will be replaced. 

How to know if insurance covers windshield replacement

The first factor to consider is the cost of the deductible in comparison to the cost of repairs. Your premium is deducted from the overall sum claimed by insurers. Still, if the deductible is more than the cost of repairing or replacing the windshield, you won’t receive anything from them. Check to see if the deductible glass claim is waived under your comprehensive coverage.