Does Car Insurance Cover a Broken Windshield? What You Need to Know
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Does insurance cover a broken windshield? This is a common question for drivers today, when windshields represent the top auto claim in the United States. Windshields can crack following a chip from rocks or gravel, accidents, changes in temperature, and other issues that cause glass damage.
Many drivers are unsure if their insurance company will cover the cost of repairing windshield damage or windshield replacement. This guide clarifies what types of insurance policies cover a damaged windshield and what steps you can take to file a claim before you head to the repair shop.
Understanding Car Insurance Coverage
Auto insurance options range from collision coverage to comprehensive coverage. It’s important to understand what's in your particular policy.
Your auto insurance policy may include or exclude various forms of coverage depending on what you elected to pay for when you took out your current policy. A broken windshield is one of those items that may or may not factor in your car insurance coverage.
What Is Comprehensive Coverage?
Comprehensive insurance will cover damage to your car that is not related to a collision, such as damage from weather-related events, theft, hitting an animal, vandalism, and windshield damage from road debris or other factors. This type of insurance is typically optional, although some lenders require comprehensive coverage.
Scenarios Where Windshield Damage Is Covered
Broken windshield car insurance is available in many instances:
- If you have comprehensive insurance and your windshield was damaged due to a rock or gravel while driving, then your comprehensive insurance should cover a broken windshield. You may have to pay a deductible.
- On the other hand, if your need for a windshield repair hails from a cracked windshield due to a car crash, then your collision coverage should apply.
- Finally, some companies specifically offer auto glass coverage, which can work for everything from a small chip to a full windshield replacement. Some insurance companies offer this as an extra add-on to your comprehensive insurance. This can be a great option if you drive on a gravel road regularly, live in a state known for severe weather, or have an older windshield.
Deductibles and Windshield Claims
Car insurance for a broken windshield may entail a deductible based on where you live, the type of insurance you have, and the claim you file.
When it comes to comprehensive or collision insurance, you may need to pay your deductible before your insurance company will reimburse the auto glass repair. However, some states are known as “zero deductible” states. The law in these states requires insurance companies to waive deductibles for windshield repairs. You can look for this language in your policy.
If you have auto glass coverage or full glass coverage, you will not need to pay a deductible.
How To File a Claim for Windshield Damage
If your vehicle has received windshield damage, make sure you have all the details surrounding the incident and the extent of the damage. Report any damage as soon as possible and then follow these steps to file a claim:
- Refer to your auto insurance policy: Check to see what type of insurance you have and confirm that it includes windshield damage.
- Contact your insurance provider: Many auto insurance companies have online forms you can fill out to file a claim. You can also call your insurance company to report the damage.
- Get an estimate: Collect one or more estimates for the windshield repair or replacement.
- Document everything: Take pictures of your windshield. Track when you contact your insurance company and repair companies. Compare bids and timelines. The more documentation you have, the easier the process will be.
Tips for Preventing Windshield Damage
These five tips can help you prevent windshield damage from happening in the first place:
- Inspect your windshield regularly. If you spot a small chip before it becomes a big crack, it will be easier to address. Make a habit of looking at your entire windshield at least once a week.
- Clean your windshield. Likewise, a clean windshield not only makes it easier to see while driving but also helps you spot small chips or other issues. Replace your windshield wipers as recommended.
- Drive safely. Stay far back from larger vehicles on the road and keep an eye out for potholes.
- Try to park in covered areas. Weather conditions can change in an instant, and protection can save your windshield from damage and debris in windy or wet conditions.
- Don’t slam doors. A small slam can have a big impact, so try to be fairly gentle when opening and closing your vehicle’s doors.
Reviewing Your Car Insurance Policy
If you would benefit from additional insurance coverage related to windshields and auto glass, take the time to review your current policy. Consider updating it, especially if it seems more likely that your windshield may take damage.
Get Quotes for Comprehensive Auto Insurance Today!
Does car insurance cover a broken windshield? If you're still wondering this, it's time to look for full coverage car insurance or other options that meet your needs. You can compare insurance companies online to find the most affordable option with glass coverage.
Check out EverQuote to find the latest quotes for comprehensive auto insurance.