Will Insurance Cover Windshield Replacement? Unveiling the Coverage Mystery!

Will insurance cover windshield replacement? Unveiling the Coverage Mystery!

You’re driving on the highway when a rock flies out of nowhere and hits your windshield.

You hear a loud crack and see a spiderweb of glass.

You wonder: Will my insurance cover this?

This article will answer your question and explain everything you need to know about windshield replacement and insurance.

You’ll learn about the different types of coverage, the factors that affect your claim, the costs involved, and some tips to prevent and deal with windshield damage.

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Will insurance cover windshield replacement? Find out what factors affect your coverage, costs, and options in this comprehensive guide. (Source: Freepik)

Comprehensive and Collision Coverage

The first thing you need to know is that windshield replacement is usually covered by comprehensive and collision coverage.

These are optional coverages that you can add to your auto insurance policy to protect your vehicle from various perils.

Comprehensive coverage pays for damage caused by events that are out of your control, such as fire, theft, vandalism, hail, falling objects, and animal collisions.

For example, if a tree branch falls on your windshield during a storm, comprehensive coverage will cover the repair or replacement.

Collision coverage pays for damage caused by a collision with another vehicle or object, regardless of who is at fault.

For example, if you hit a deer and your windshield shatters, collision coverage will cover the repair or replacement.

However, there may be some overlaps or exceptions depending on your insurance company and the state you live in.

For instance, some insurers may cover windshield damage under collision coverage even if it was not caused by a collision.

Some states may require insurers to waive the deductible for windshield replacement or offer full glass coverage as an option.

Factors Affecting Coverage

The next thing you need to know is that there are several factors that insurers consider when deciding whether to cover your windshield damage or not.

These include:

  • The cause of the damage: As mentioned above, the cause of the damage determines which coverage applies. If the damage was caused by something that is not covered by your policy, such as wear and tear, negligence, or intentional acts, you will not be covered.
  • The severity of the damage: Insurers may also consider the extent of the damage and whether it can be repaired or needs to be replaced. Generally, small cracks or chips can be repaired, while larger ones require replacement. However, the size and location of the damage may also affect the decision. For example, if the damage is in the driver’s line of sight, it may pose a safety hazard and require replacement.
  • The state regulations: Different states have different laws and regulations regarding windshield replacement and insurance. Some states mandate that insurers cover windshield replacement without a deductible, while others allow insurers to charge a deductible or offer full glass coverage as an option. Some states also have specific standards and requirements for windshield repair and replacement. You should check your state’s laws before filing a claim.
  • The add-on perks: Some insurers may offer additional benefits or perks for windshield replacement, such as free mobile service, a lifetime warranty, or cash back. These perks may vary by insurer and policy, so you should read your policy carefully and ask your agent for details.

Deductible and Out-of-Pocket Costs

The third thing you need to know is that windshield replacement may involve some costs that you have to pay out of your pocket.

These include:

  • The deductible: The deductible is the amount of money that you have to pay before your insurance kicks in. The deductible amount depends on your policy and the type of coverage that applies. For example, if you have a $500 deductible for comprehensive coverage and your windshield replacement costs $800, you will have to pay $500 and your insurer will pay $300. However, as mentioned earlier, some states require insurers to waive the deductible for windshield replacement or offer full glass coverage as an option.
  • The out-of-pocket costs: Out-of-pocket costs are the costs that are not covered by your insurance or exceed your coverage limit. For example, if your windshield replacement costs $1,000 and your coverage limit is $800, you will have to pay $200 out of your pocket. Out-of-pocket costs may also include fees, taxes, or upgrades that are not covered by your policy.

The average cost of windshield replacement in the U.S. is between $200 and $400, according to RepairPal.

However, the actual cost may vary depending on the make, model, and year of your vehicle, the type and quality of the glass, and the location and availability of the service.

Additional Tips and Resources

The last thing you need to know is that there are some tips and resources that can help you prevent and deal with windshield damage.

Here are some of them:

  • To prevent windshield damage, you should maintain a safe distance from other vehicles, especially trucks that may carry loose rocks or debris. You should also avoid driving in extreme temperatures, as they can cause the glass to expand, contract, and crack. You should also park your car in a shaded or covered area, as direct sunlight can weaken the glass and make it more susceptible to damage.
  • To deal with windshield damage, you should act quickly and get it repaired or replaced as soon as possible. Driving with a damaged windshield can impair your vision, compromise your safety, and worsen the damage. You should also inspect your windshield regularly and look for any signs of cracks, chips, or scratches.
  • To find a reputable repair shop, you should do some research and compare different options. You should look for a shop that has certified technicians, quality materials, and good reviews. You should also ask for a written estimate and a warranty before agreeing to the service. You should also check with your insurance company and see if they have any preferred providers or discounts that you can use.
  • To file a claim, you should contact your insurance company as soon as possible and report the damage. You should provide them with the details of the incident, such as the date, time, location, and cause of the damage. You should also take photos of the damage and any other evidence that can support your claim. You should also follow your insurer’s instructions and cooperate with their adjuster and repair shop.


Windshield replacement can be a hassle, but it doesn’t have to be a headache.

By knowing what your insurance covers and doesn’t, you can save money and time and get your windshield fixed in no time.

If you have any questions or concerns about your windshield replacement and insurance, you should review your policy or contact your provider for more information.

They can help you understand your coverage, deductibles, and options and guide you through the claim process.

Don’t let a cracked windshield ruin your day.

With the right insurance and the right service, you can get back on the road with confidence and peace of mind.

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