Is Windshield Damage Covered by Insurance?

Windshield damage is a common issue that many drivers face, whether it’s from a stray rock on the highway or a sudden hailstorm. Understanding whether your insurance policy covers windshield damage can save you time, money and stress.

Comprehensive Coverage

Comprehensive insurance can help cover windshield damage. This type of policy covers non-collision-related incidents, such as theft, vandalism and natural disasters.

If your windshield is cracked or shattered due to a covered event, comprehensive coverage may help pay for the repair or replacement.

Depending on your policy details, you may have to pay your deductible before comprehensive coverage for auto glass damage kicks in.

Collision Coverage

Collision insurance is designed to help cover damage to your vehicle resulting from a collision with another car or object.

If your windshield is damaged in an accident where you are at fault, collision coverage may help pay for the repairs. However, if the other driver is at fault, their liability insurance may cover the damage.

Collision coverage claims are also subject to a deductible.

Glass Coverage

Some insurance companies offer a separate glass coverage option, which specifically covers damage to your vehicle’s windows, including the windshield.

This coverage often comes with a lower deductible than comprehensive coverage, making it a more affordable option for minor glass repairs.

Deductibles and Claims

When filing a claim for windshield damage, it’s important to consider your deductible. If the cost of repairing or replacing the windshield is less than your deductible, it may not be worth filing a claim. Additionally, frequent claims for minor damages can lead to higher premiums.

Contact Us

Contact Festival Auto Insurance in Irving, Texas, to evaluate your current auto insurance and add auto glass coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.