Costs and Coverage: Will Auto Insurance Pay to Fix My Windshield?

A chipped or cracked windshield can be a stressful experience. Not only does it obstruct your view and potentially compromise safety, but you might also worry about the cost of repair or replacement. Let’s continue reading to understand the correlation between auto insurance and windshield repair or replacement.

Does Auto Insurance Cover Windshield Repair or Replacement?

In most cases, your auto insurance will cover windshield repair or replacement under your comprehensive insurance policy. Comprehensive coverage protects your vehicle from damage caused by events other than collisions, such as:

  • Acts of nature (hail, falling objects)
  • Vandalism
  • Theft
  • Animal collisions

What Does Windshield Coverage Typically Include?

Windshield coverage within your comprehensive plan usually falls under two categories:

  • Full windshield replacement: This covers the complete replacement of your windshield if the damage is severe or cannot be repaired safely.
  • Windshield repair: Many policies cover repairs for smaller cracks or chips, often at no out-of-pocket cost to you. Early repair of minor damage can prevent the crack from spreading and potentially requiring a full replacement.

Understanding Deductibles and Out-of-Pocket Costs

Even with comprehensive coverage, you might still be responsible for some out-of-pocket costs associated with windshield repair or replacement. Here’s what to consider:

  • Deductible: A deductible is the amount you’re responsible for paying before your insurance kicks in. Your comprehensive deductible applies to windshield claims as well.
  • Zero-dollar deductible windshield coverage: Some insurers offer add-on coverage with a zero-dollar deductible specifically for windshield repair or replacement. While this eliminates your out-of-pocket cost, it might come with a slightly higher premium.

Factors Affecting Insurance Coverage

Here are some additional factors that might influence whether your auto insurance covers your windshield repair or replacement:

  • Policy type: Comprehensive coverage is typically required for windshield repair or replacement. Liability coverage only protects against damage you cause to others, not damage to your own vehicle.
  • State laws: Some states mandate comprehensive coverage to include windshield repair or replacement with a zero-dollar deductible.
  • Policy exclusions: Carefully review your policy exclusions. Some policies might exclude coverage for specific types of windshield damage, such as cracks caused by road debris or improper installation of aftermarket equipment.

Lou Aggetta Insurance: Your Partner for Clear and Comprehensive Coverage

At Lou Aggetta Insurance, we’re committed to providing you with clear and comprehensive auto insurance coverage options. Our experienced agents can help you understand your specific policy details and answer any questions you might have about windshield repair or replacement coverage. Contact us today for a free consultation. Call us at (925) 945-6161 to get started.