Is a new windshield covered by insurance?
Yes, in most cases, a new windshield is covered by your car insurance policy. The extent of the coverage, however, can vary depending on your specific policy and the circumstances surrounding the damage to your windshield.
Understanding Windshield Coverage
Windshield coverage is typically included in the comprehensive portion of your car insurance policy. Comprehensive coverage protects your vehicle from non-collision-related damages, such as theft, vandalism, or natural disasters. When your windshield is cracked, chipped, or shattered due to these types of incidents, your insurance company will usually pay for the replacement or repair, subject to your policy's deductible.
Factors That Affect Windshield Coverage
- Deductible: Your policy's deductible is the amount you must pay out-of-pocket before your insurance coverage kicks in. Deductibles can range from $0 to $1,000 or more, and the lower the deductible, the more your insurance will cover.
- Cause of Damage: If the windshield damage is caused by a collision or accident, it may be covered under your collision coverage instead of your comprehensive coverage. The coverage and deductible may differ in this case.
- Repair vs. Replacement: Many insurance companies will cover the cost of repairing a small chip or crack in your windshield, as long as it can be fixed without replacing the entire windshield. Replacement is typically more expensive, so your insurer may prefer to repair the windshield if possible.
- Geographical Location: Some states have laws that require insurance companies to waive the deductible for windshield repairs or replacements, making it more affordable for drivers.
It's important to review your specific insurance policy and coverage details to understand how your windshield is protected. If you have any questions or concerns, contact your insurance provider for clarification.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
