How does full glass coverage work? A Simplified Explanation

When driving down the road, the last thing you want is for a rock to strike your windshield, causing damage that may escalate into a more significant issue.

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Full coverage covers any damage that occurs to your windshield

Whether it remains a chip or develops into a crack spanning your windshield, a visit to the auto glass company can result in expenses amounting to hundreds of dollars.

Understanding the workings of  full glass coverage can be crucial, so continue reading to gain more insight!

What does Full Glass Coverage Entail

Full glass coverage is a form of insurance that assists in covering expenses associated with repairing or replacing damaged glass components in your vehicle, such as windows or the windshield.

While comprehensive coverage and collision coverage also cater to vehicle glass repairs, full glass coverage stands out.

Unlike these alternatives, full glass coverage often eliminates the need for a deductible payment before the insurance coverage takes effect for claims involving only glass damage.

How does it operate?

Usually, you must first have comprehensive coverage in place to be eligible for adding full glass coverage to your policy.

Once you’ve secured full glass coverage for your vehicle, you can initiate a car insurance claim to address relevant damages to the glass.

If you’re uncertain about the specifics of your insurer’s claims procedure, consult your car insurance agent for guidance.

If approved, your car insurance covers repairing or replacing damaged glass, up to the vehicle’s cash value.

What Does Comprehensive Auto Insurance Cover

Comprehensive coverage, an optional feature in your auto insurance policy, addresses non-collision-related issues.

This option safeguards against natural events like hail and other conditions such as theft or fire.

The auto glass replacement benefit usually activates after satisfying the full deductible in most instances.

Coverage specifics can vary by state, and some policies may already include windshield replacement, so it’s advisable to check with your insurance provider.

Is Full Glass Coverage Worth the Cost?

Full glass coverage, an additional option within the comprehensive policy, can spare you from covering the deductible for repairs or replacements. In many cases, the cost of adding full glass coverage is reasonable, making it a worthwhile monthly investment.

Deciding whether to include this coverage in your insurance depends on your location. If you frequently navigate gravel roads or park on the street, it may be a prudent addition.

Similarly, in areas prone to hailstorms, opting for full coverage becomes more valuable due to the increased risk of damaged or shattered windows.

Cost of Windshield Repairs

Even with reputable companies like Safeco or Nationwide, the expense of windshield repair can be considerable.

On average, the replacement cost for a windshield ranges from $200 to $400, with the cost potentially lower if an aftermarket windshield is used. Comprehensive insurance typically covers auto glass damage.

For many individuals, their comprehensive deductible is higher than the cost of windshield repair, prompting the availability of full glass coverage from various insurance providers.

If your windshield has minor cracks or chips, the repair cost is likely to be under $100.

Comprehensive insurance deductibles vary among auto insurance providers, with some offering lower rates for full glass coverage and others charging more.

Most insurers do not include windshield damage in policy limits, eliminating concerns about additional fees when filing an auto glass claim, provided you have the appropriate auto insurance coverage.

The price of replacing a damaged windshield depends on the cause, whether it be vandalism or weather conditions.

Windshield damages with larger cracks and chips obstructing the driver’s view may necessitate a complete windshield replacement.

Determining the Need for Full Safety Glass Coverage

The necessity of full glass coverage hinges on your risk tolerance and your insurance provider.

For those in break-in-prone areas or on roads with frequent cracked windshields, consider choosing full glass coverage.

This coverage may be sensible, especially if the insurance rate is nominal and likely to be recouped over time.

Safeco Insurance, in collaboration with Safelite Auto Glass, offers free repairs for cracked windshields up to a certain extent, without counting the occurrence as an insurance claim or charging any fees.

However, Safeco Insurance still maintains a comprehensive deductible with “glass coverage.

In the case of windshield replacement, the deductible would apply, and you may be responsible for the replacement cost.

In essence, full glass coverage eliminates the deductible component, often exceeding the cost of glass replacement.

Full Glass Coverage Exceptions

Glass damage is not covered under certain circumstances. If you have liability-only insurance, you won’t have coverage for glass damage to your car.

Liability insurance is designed to pay for others’ property damage or injuries if you were at fault in an accident, and it does not extend to cover damages to your own vehicle.

Additionally, if your insurance provider determines that you intentionally caused damage to your vehicle, you would not be eligible for coverage.

Insurance coverage typically excludes intentional damage, and attempting to claim coverage for damage intentionally caused may result in a denial of the claim.


1. What does full glass coverage include?
Full glass coverage typically encompasses repairs or replacements for various glass components in your vehicle, such as windows and windshields. It often eliminates the need for a deductible, making it a convenient option for addressing glass damage. Coverage specifics can vary, so it’s essential to understand what is included in your policy.

2. Is full glass coverage worth the additional cost?
The value of full glass coverage depends on factors such as your risk exposure and the area you live in. If you frequently encounter conditions like gravel roads, face an increased risk of break-ins, or live in an area prone to hailstorms, full glass coverage might be a wise investment. Assessing the cost versus the potential expenses of glass repairs or replacements can help determine if it’s worth adding to your insurance policy.

3. How does full glass coverage differ from comprehensive coverage?
While both full glass coverage and comprehensive coverage address non-collision-related damages, they have distinct differences. Full glass coverage specifically focuses on glass components, often waiving the deductible for glass-related claims. On the other hand, comprehensive coverage is more extensive, covering a range of non-collision damages, and may include glass coverage but often comes with a deductible. Understanding these distinctions can help you make informed decisions about your insurance needs.


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