It’s not uncommon to find windshields that have cracks in them.
The fact is, it is physically impossible to provide complete protection for your glass while driving. The windshield of your car is a common target for flying rocks and gravel that result in chips or cracks in the glass if they strike it hard enough.
If the damage is so severe that it interferes with your ability to see clearly out the windshield when you drive, you might want to consider getting a replacement.
Now the cost of replacing a windshield is neither trivial nor cheap. These repairs can be pretty expensive. So that naturally begs the question: Does car insurance cover a cracked windshield?
Below, find out the answer to this common question many drivers have.
Does Car Insurance Cover A Cracked Windshield?
The short answer is yes, car insurance provides coverage for repairing or replacing the car’s windshield if you have comprehensive car insurance coverage. Certain types of auto insurance policies only cover the repair/replacement of the car’s windshield.
Comprehensive Coverage
If your car’s windshield is damaged, your car insurance will pay for the damage, but only if you have comprehensive coverage.
Comprehensive car insurance protects you against damage to your vehicle while it is not in use. This includes vandalism, theft, and damage caused by the weather.
You will need a comprehensive insurance policy if you want protection against damage to your vehicle, including your windshield. You can get a standalone comprehensive policy that protects you in the event that your windshield is broken, or you can purchase comprehensive coverage as part of a package that also includes collision and other forms of coverage, also known as full coverage.
There are two different kinds of coverage that are available to drivers to protect them from the financial burden of windshield damage. If you have comprehensive coverage, the likelihood is high that you also have basic insurance for a cracked windshield, including a deductible. You may also have the option to pay a small premium to obtain comprehensive coverage for your auto glass.
Comprehensive insurance is essential if you want to ensure you are covered in the event your windshield is cracked. In all likelihood, your comprehensive insurance policy will cover the vast majority of claims. But in order to benefit from this coverage, you must first have such a policy.
It is a supplement to your policy that is entirely optional and is not mandated by law in any state. Comprehensive coverage insurance, typically purchased with collision insurance, pays for repairs to your vehicle if it is damaged by things referred to as “acts of God.”
Auto Glass Insurance
The vast majority of insurance providers will let you add coverage for your auto glass to your existing policy. In most cases, if you have full auto glass coverage, you won’t be required to pay a deductible.
That eliminates the need for you to pay any money out of pocket for windshield repairs. This type of policy, which can also be referred to as windshield insurance, provides coverage for replacing damaged windshields.
In conclusion, your damaged windshield will be covered if you have comprehensive car insurance.