Is a new windshield covered by insurance?
When your windshield gets cracked or damaged, one of the first questions that comes to mind is whether your auto insurance will cover the cost of a replacement. Understanding the specifics of your insurance policy and the circumstances of the damage is key to determining coverage. In this article, we’ll break down the factors that influence whether a new windshield is covered by insurance and what steps you can take to address the issue.
Factors That Determine Coverage
Whether your insurance will cover a new windshield depends on several factors, including the type of coverage you have, the cause of the damage, and the laws in your state. Here’s a closer look at these factors:
- Type of Coverage: Comprehensive insurance typically covers windshield damage caused by events like falling debris, vandalism, or severe weather. However, liability-only insurance does not cover damage to your own vehicle, including the windshield.
- Cause of Damage: If the damage was caused by an accident where another driver was at fault, their liability insurance might cover the cost of the replacement. For non-accident-related damage, comprehensive coverage is usually required.
- State Laws: Some states have specific laws regarding windshield coverage. For example, in "zero-deductible" states like Florida, South Carolina, and Kentucky, insurance companies are required to cover windshield repairs or replacements without applying a deductible.
Steps to Take If Your Windshield Is Damaged
If your windshield is damaged, follow these steps to determine whether your insurance will cover the replacement:
- Review Your Insurance Policy: Check your policy documents or contact your insurance provider to confirm whether you have comprehensive coverage and what your deductible is.
- Document the Damage: Take clear photos of the damage and note the date and circumstances of the incident. This information will be helpful when filing a claim.
- File a Claim: If your policy covers windshield damage, file a claim with your insurance company. Many insurers allow you to file claims online or through a mobile app for convenience.
- Choose a Repair Shop: Some insurance companies have preferred repair shops, but you may also have the option to choose your own. Be sure to confirm that the shop is approved by your insurer.
When Insurance May Not Cover the Cost
There are situations where your insurance might not cover the cost of a new windshield:
- No Comprehensive Coverage: If you only have liability insurance, windshield damage caused by non-accident-related events will not be covered.
- High Deductible: If the cost of replacing the windshield is less than your deductible, you’ll need to pay out of pocket.
- Exclusions in Policy: Some policies may have specific exclusions for certain types of damage, so it’s important to read the fine print.
Tips for Preventing Windshield Damage
While not all windshield damage can be avoided, there are steps you can take to reduce the risk:
- Avoid following large trucks or vehicles carrying loose debris.
- Park in covered or sheltered areas during storms or extreme weather.
- Repair small chips or cracks promptly to prevent them from spreading.
Conclusion
In many cases, a new windshield can be covered by insurance, but it depends on your specific policy and the circumstances of the damage. By understanding your coverage, documenting the damage, and taking the appropriate steps, you can navigate the process with confidence. If you’re unsure about your coverage or need assistance with a windshield replacement, feel free to reach out to Kevin’s Autos for expert advice and service!
Frequently Asked Questions
Can I get my windshield replaced for free?
Windshield replacement is covered under the comprehensive portion of auto insurance policies, less any applicable deductible. In a few states, insurance companies are required to waive the deductible for windshield replacement.
Does insurance cover windshield replacement from rock?
Comprehensive insurance
Say a tree branch falls on your vehicle, a rock hits the glass, you strike a deer or a severe hailstorm cracks your windshield. In any of the events mentioned, comprehensive insurance could pay to replace the damaged glass, minus your deductible.
Will insurance pay for windshield replacement?
Comprehensive coverage on a car insurance policy may help pay to repair or replace your windshield if it's cracked or shattered by a rock. Another coverage, called full glass coverage, may also be available to help protect you against the cost of fixing or replacing a windshield.
How much does it cost to replace a windshield without insurance?
So how does a windshield replacement without insurance cost? Typically, the cost of a windshield replacement is between $100-$400 (including labor) with the average cost ranging between $210-$230. Collectible and luxury vehicles can cost significantly more, as much as $1,500.
Is it cheaper to replace windshield without insurance?
Windshield replacement installation is typically much cheaper on an older car than on a newer one. If you're getting an aftermarket windshield for an average older vehicle with little to no technology add-ons, you can expect to pay at least $300 to $600 when not using insurance. A luxury model typically costs more.
Does insurance cover broken window glass?
Comprehensive and collision coverage is usually an available add-on. While collision and comprehensive insurance will usually cover broken windows, it is important to evaluate your policy to ensure that it does. It is also a good idea to understand your deductible.
Does a cracked windshield count as a claim?
If your windshield gets chipped or cracked, you should file a comprehensive claim as soon as you can and before you proceed with repairs. Important note: You shouldn't wait too long after the damage occurs to file a glass claim, and the claim should be filed before any repairs take place.
Should I file an insurance claim for a cracked windshield?
If your windshield gets chipped or cracked, you should file a comprehensive claim as soon as you can and before you proceed with repairs. Important note: You shouldn't wait too long after the damage occurs to file a glass claim, and the claim should be filed before any repairs take place.
Who is responsible if a rock hits my windshield?
When a rock from the vehicle in front of you hits your windshield, the first question on your mind might be, “Who's responsible for this?” Unfortunately, in most cases, the answer is you.
How to tell if glass is covered by insurance?
Does my insurance policy cover broken glass? Broken glass is generally handled under your Comprehensive Physical Damage Coverage, which is usually subject to a deductible. Log into your auto insurance policy and see if you have Comprehensive Physical Damage Coverage.
