You may not think about it much, but the windshield is one of the most important parts of a car. Without one, we’d all have to drive around with funny looking googles on to keep the wind out of our eyes.

While we may not think about it much, if your windshield cracks, you will definitely think about it. If it’s a small star in the glass, you may be able to get it repaired. But a larger crack usually means replacing the entire windshield.

Windshield replacement can be quite costly as is the case with many car replacement parts. So, many people wonder “does car insurance cover windshield replacement?”

Here in this article, you’ll find the answer to this question along with information to help you understand what situations a broken windshield is more likely to be covered by insurance.  

Does Car Insurance Cover Windshield Replacement?

The short answer is yes, car insurance provides coverage for a windshield replacement if you have either comprehensive car insurance coverage or if the person at fault has property damage liability insurance coverage.

If your car’s windshield needs replacement, your car insurance will pay for the damage, only if you have comprehensive coverage. However, if another person caused damage to your windshield and they have property damage liability insurance coverage. You may file a claim against them. If the claim is approved, their insurance company will cover the cost or replacement.

Comprehensive auto insurance and property damage liability insurance are the only types of policy required by law to cover windshield replacement. 

Minimum automobile insurance coverage is the most common type people have. It refers to the bare minimum coverage necessary by law to operate a car in your state. These policies most likely will not cover windshield replacement.

When Will My Insurance Cover Windshield Replacement Costs?

Nonetheless, states do not compel states to mandate optional coverages such as comprehensive and collision. As a result, if your windshield shattered due to a rock striking it on the roadway, comprehensive coverage is not necessarily available to assist with the cost of repairs.

Comprehensive and collision coverage can be added to your auto policy in addition to the state-mandated coverages if you purchase a full coverage car insurance policy. These optional coverages assist in covering the cost of repairs for risks including fire, flooding, theft, vandalism, and damage to your car due to an at-fault accident.

The first factor to examine is the cost of the deductible compared to the cost of repairs. Insurance companies deduct your deductible from the total amount claimed. If your deductible exceeds the cost of repairing or replacing the windshield, you will receive no compensation from your insurer.

The majority of comprehensive claim deductibles range from $50 to $2,000. Suppose your deductible is greater than $1,000. In that case, it is doubtful that the cost of windshield damage would surpass that amount or that you will receive a check from your insurance.

On the other hand, if you have a lower deductible, such as $250 or $500, the decision to file a claim becomes a little more complicated. You will need to get an estimate for repairing or replacing the windshield.

If the estimate is less than your deductible, then it doesn’t make sense to file a claim. However, if the estimate for replacement is more than your deductible, you may want to file a claim for insurance to cover the costs.

Additionally, you should look into whether or not your comprehensive coverage policy waives the deductible on glass claims. Because some do. For example, Geico, offers comprehensive policies that waive the deductible when filing a claim for broken glass.

So that means you don’t have to worry about paying a deductible if you need to replace your windshield.

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