Does Car Insurance Cover Windshield Damages?

Noticing a small rock chip or a crack in your windshield is frustrating, and dealing with repairs can be stressful if you are unsure that your car insurance plan covers the damage. We have some insight on whether your car insurance covers windshield damage.

Understanding Windshield Damage

Before we explore car insurance coverage, let’s understand windshield damage. Rocks, pebbles, and debris can wreak havoc upon impact with your windshield. Problems can vary from small chips to large cracks that necessitate a complete windshield replacement. Note that not all insurance plans cover the damage.

Overview of Insurance Policies

Depending on your policy, your car insurance may cover windshield damages. Some policies include comprehensive coverage that covers non-collision accidents to your car, including windshield damage. Keep in mind that not all policies have comprehensive coverage; some have a deductible you must meet before you’re covered.

Liability-only car insurance provides coverage for damages or injuries you cause to others in the event of an accident. It does not cover theft or natural calamities, including damage to your car’s windshield.

In some cases, insurance providers offer full glass coverage, which provides protection for windshield issues. However, these coverage options may come at an extra cost. It’s a good idea to review your car insurance policy or contact your provider to understand the specifics of your coverage for auto glass.

What Happens if You Don’t Have Coverage?

If your car insurance policy doesn’t cover windshield damage, you can still fix or replace it by paying out of pocket. Alternatively, you can purchase a separate windshield repair policy or add a windshield coverage endorsement to your existing car insurance policy.

Ignoring a small chip or crack on your windshield will result in a larger crack over time, which can make driving dangerous. We suggest repairing your windshield as soon as possible, even if you have to pay out of pocket.

Regardless of insurance coverage or personal payments, you should repair your windshield as soon as possible to stay safe on the road. At Fusion Windshield Repair, we offer affordable windshield calibration services and repairs that most insurance companies cover, so get in touch with us soon!