On a highway, the sole focus is on the road and the safety of you and your co-passengers. Sometimes a tiny piece of rock can hit your windshield, but you would be oblivious to it. Now you might only notice the cracked windshield when you get home. Now the most pertinent question is ‘Does car insurance cover cracked windshield?’
You might not need to patch your windshield at all, depending on the severity of the crack. However, not all cracks remain small indefinitely; some can worsen over time. If the crack is interfering with your line of sight—and therefore your protection on the road—it might not be prudent to wait to see if it spreads. The cost of replacing or repairing a car windshield crack at an auto body shop varies from $100 to $400 for regular vehicles but can reach $1000 for high-end, high-tech vehicles. If you’re replacing a windshield or pouring resin into an existing one, the final cost varies.
Windshield insurance coverage
Cracks that are more than six inches long are beyond repair and need a complete windshield replacement; cracks less than six inches long are repairable. Even for a high-end vehicle, the cost of repairing a chip in the windshield (less than 6 inches) is consistent, at $120. If your deductible is higher, you can avoid filing a lawsuit and payout of pocket. We also suggest paying out of pocket if the deductible is $50 or $100. While a $50 deductible would save you about $70 from your insurance provider. Filing a claim can cause your premiums to rise — notably if you have previously filed claims. We strongly advise against filing a claim for a chip in the windshield if you have already filed claims. In your pursuit to get cheap car insurance do not skip a policy that ensures you cracked windshield insurance.
Does insurance cover a cracked windshield?
If you’re paying out of pocket, it’s possible that repairing your windshield rather than replacing it would save you money. However, if you find yourself in a position where you need to repair the glass, your auto insurance might assist you. If you have Comprehensive coverage as part of your auto insurance policy, it will cover window damage. Regardless of whether you need the glass fixed or replaced. Comprehensive coverage applies where the damage is not the result of an accident. Such as when a rock strikes the windshield or someone damages it in the act of vandalism.
If you are in a car accident and you damage the windshield in addition to other costs, fixing it would be under the Collision compensation if you have it in your contract. In most cases, fixing or removing your windshield would be covered by your comprehensive coverage. You will not have to pay the deductible if you use your comprehensive coverage to replace your windshield. However, depending on your jurisdiction, you might be required to pay a deductible if you need to repair your windshield entirely.
Deductibles in windshield insurance coverage
A deductible is an amount you must pay after filing a claim before the coverage kicks in to cover the remainder. Deductibles are applied per event rather than per policy duration, and Comprehensive and Collision coverages both have their deductible. In most cases, compulsory insurance covers window damage and repair, and property damage liability insurance covers it when others are at fault. In the vast majority of cases, damage to your windshield and car windows is protected if you have adequate insurance.
Comprehensive insurance is an add-on to auto insurance that is typically paid together. It protects your car from any harm that isn’t caused by another vehicle, also known as “acts of God.”
The following are some examples of what comprehensive insurance would reimburse you for:
- Branches from a tree have fallen on your windshield.
- When driving, a pebble flies through your windshield.
- A wild animal slams into your windshield.
While most policies will cover your windshield, we suggest that you double-check to see the accidents are covered and that you have coverage for all of your windows. If it turns out that your policy only protects your side windows and not your windshield, it may be a difficult situation. Make sure to check your policy for cracked windshield insurance.
What do you do if you don’t have comprehensive coverage insurance?
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 is at fault for the accident, you will be compensated. When you claim the property damage liability section of the other driver’s car insurance, the windshield or other components will be replaced.
If anyone cracks your windshield and you make a lawsuit against their homeowners or landlord’s liability insurance, you might be compensated. If they have one of those policies, they will have a liability section that will cover the costs of any items they destroy.
You’d have to show their insurance provider that they were at fault.
If a car is less than ten years old or worth more than $3,000, we usually advise drivers to get comprehensive and accident insurance. Even though the two forms of coverage will double the cost of your car insurance, the cost of repairs could be greater than the cost of insurance for five years.
How do I know if my 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 for glass claims is waived under your comprehensive coverage. Some of the best car insurance companies have generous policies that don’t require you to pay a premium when claiming broken glass. To see if you have that clause in your policy, check with your agent or your policy.
What to do if your windshield is broken and you need to file a claim?
The procedure for filing a claim for broken glass is the same as for other forms of auto insurance claims. You may either contact an agent or file a claim online for most businesses. Auto insurance providers want to be informed as soon as possible after a claim is made. If your windshield has been vandalized, contact the police and request a copy of the police report.
It could come in handy when dealing with the insurance provider in the future. You could be transferred to a separate division of the claims division for broken glass and windshields if you call, so pay attention to the prompt. Your auto insurance may require you to take the car to a shop of their choosing to inspect the damage after you file a claim. Some companies can require you to use a particular company to repair your windshield. Keep all of your receipts to ensure that your insurance agent knows how much to reimburse you.
Frequently Asked Questions (FAQs)
Is a cracked windshield covered by insurance?
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.
What if a hail storm cracks my windshield?
A strong thunderstorm may drop hailstones ranging in size from peas to grapefruits. You’ll need comprehensive insurance on your car insurance policy if you want the best car insurance for hail injury. Hail damage to a car’s body may also be covered by comprehensive insurance.
What if I can’t drive because my windshield is broken?
You can need to get your car towed to a shop or your home if you can’t safely drive because of a broken windshield or a crack that obstructs your vision. You can use your roadside assistance insurance to get a tow if you have it. A windshield replacement service might be able to come to your home and fix your windshield in some situations.