{"id":2797,"date":"2026-01-21T11:02:54","date_gmt":"2026-01-21T11:02:54","guid":{"rendered":"https:\/\/www.way.com\/ask\/?p=2797"},"modified":"2026-01-21T11:02:54","modified_gmt":"2026-01-21T11:02:54","slug":"does-car-insurance-cover-a-cracked-windshield","status":"publish","type":"post","link":"https:\/\/www.way.com\/ask\/does-car-insurance-cover-a-cracked-windshield\/","title":{"rendered":"Does car insurance cover a cracked windshield?"},"content":{"rendered":"<h2 aria-level=\"2\"><span data-contrast=\"none\">When is it covered?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">If you have comprehensive coverage, a cracked windshield caused by falling rocks, hail, or other similar incidents will be covered.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Collision coverage also covers windshield damage if it happens during an accident.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Some insurance companies even offer full glass coverage or waive the deductible for minor repairs. This encourages drivers to fix small chips before they turn into bigger, more expensive cracks.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">What\u00a0to\u00a0check on your policy?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">You\u2019ll\u00a0usually have to pay the deductible under comprehensive coverage, but some insurers waive it for cracked windshields.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Insurance often covers repairs\u00a0with no deductible, but if the glass needs a full replacement,\u00a0you\u2019ll\u00a0likely have\u00a0to pay\u00a0your\u00a0deductible.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Also, keep in mind that state rules vary, so\u00a0it\u2019s\u00a0good to double-check.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">What to understand in 2026?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Modern cars have some\u00a0special features\u00a0like Advanced Driver Assistance Systems (ADAS), which need sensor recalibration when the windshield is replaced.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A single glass claim usually won\u2019t raise your premiums much. Still, multiple claims can affect your claims-free discount or even increase your insurance rates.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When is it covered?\u00a0 If you have comprehensive coverage, a cracked windshield caused by falling rocks, hail, or other similar incidents will be covered.\u00a0 Collision coverage also covers windshield damage if it happens during an accident.\u00a0 Some insurance companies even offer full glass coverage or waive the deductible for minor repairs. This encourages drivers to&hellip; <a class=\"more-link\" href=\"https:\/\/www.way.com\/ask\/does-car-insurance-cover-a-cracked-windshield\/\">Continue reading <span class=\"screen-reader-text\">Does car insurance cover a cracked windshield?<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-2797","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Does car insurance cover a cracked windshield? - ask<\/title>\n<meta name=\"description\" content=\"Learn if car insurance covers a cracked windshield, when comprehensive or collision coverage applies, and what to check on your policy.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.way.com\/ask\/does-car-insurance-cover-a-cracked-windshield\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Does car insurance cover a cracked windshield? 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