Does Insurance Cover Windshield Damage?

Windshield damage is a common issue for drivers, and understanding whether your insurance covers repairs or replacements is crucial. The specifics of your auto insurance policy determine the extent of coverage for windshield damage.

Types of Insurance Coverage

Comprehensive auto insurance may be the key to covering windshield damage.

Unlike liability insurance, which can only cover damage to other vehicles and property, comprehensive coverage may include damage to your vehicle from non-collision incidents such as theft, vandalism and natural disasters.

This type of coverage is optional but highly recommended, especially for those who want to avoid out-of-pocket expenses for windshield repairs or replacements.

Still, there may also be times when collision coverage is necessary for windshield damage, as crashes can easily lead to such issues.

Additionally, you may wish to retain uninsured and underinsured motorist coverage, as these features can ensure you’re able to have your windshield repaired or replaced even if another party is at fault for an accident but lacks sufficient insurance.

Deductibles and Coverage Limits

One crucial aspect to consider is your deductible. For example, if you have a $500 deductible, you must pay this amount before your insurance can cover the rest of the repair or replacement costs.

It’s essential to review your policy details to understand your financial responsibility in the event of windshield damage.

Steps to Take After Windshield Damage

If your windshield is damaged, the first step is to assess the extent of the damage. Small chips and cracks can often be repaired, while larger cracks may require a complete replacement. Contact your insurance provider to file a claim and get a list of approved repair shops.

Many insurance companies work directly with repair shops to streamline the process, making getting back on the road easier.

Get the Right Coverage

Contact Gary A Gibson Ins Agency, LLC today to learn more about windshield coverage or to compare personalized auto insurance quotes.

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.