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Will My Car Insurance Policy Cover Chipped or Cracked Windshields?

At some point in most people’s lives, they end up having to deal with the inevitable: a cracked windshield. When you first see that your windshield is cracked, chances are that you get a little bit upset – after all, nobody wants their view impeded as a driver. Additionally, nobody wants their car to look ugly with a big spider web crack right in the center of the windshield. When dealing with a crack, the first thing to do is find a way to get it replaced as soon as possible. If it’s a minor crack, you may be able to get away with a repair from a company like Safelite Auto Glass.

Will my car insurance policy cover a cracked windshield?

Most people want to know whether their insurance policy will cover a crack or damage to their windshield glass. The fact is that the only way to figure out whether you are covered is to call and ask your insurer whether it was included in your contract. In most cases, it is not required to get windshield coverage, but some companies throw it in for free as an added perk.

A large percentage of individuals opt to receive windshield protection on their insurance policy when signing up. If you have a bare bones insurance policy or are driving with the minimum amount of coverage, it is unlikely that you will get a free windshield replacement if yours cracks, breaks, or chips as the result of an accident. People that purchased a comprehensive policy generally will get their windshield replacements covered under their insurance policy.

When it comes to insurance, you get what you pay for. If you want to have your windshield covered under your policy, it may cost some extra money on your premiums. Most people realize that if you take the risk of getting a minimalist insurance policy, you have to pay for a lot more things out of pocket – a damaged windshield is one of those things.

Repairing a chipped windshield

There are a lot of things that can cause the glass of a windshield to chip. One of the most common examples is a rock getting kicked up from the tires of a semi truck and hitting the tailing vehicle on the front glass. All it takes is one small rock or freak incident to occur and your windshield gets chipped. As I already mentioned, companies like Safelite Auto Glass are able to do a great job at fixing up small chips and nicks. If you report the damages (in a timely manner) to your insurance company, they will generally pick up the tab for these types of damages.

Replacing a fully cracked windshield

If you want to get a replacement for a fully cracked windshield, hopefully you opted to receive insurance for glass repairs on your contract. If you know that you are covered by your insurer, the next step is placing an order for a new windshield. You can do this through most local auto repair companies. However, before you immediately go out and place an order, double check with your insurance company to make sure that they don’t have a list of specific repair companies that you are supposed to work with. Certain insurers have partnerships with repair companies and they expect their customers to only go through their partners for all auto-body work.

How much does windshield and glass insurance cost?

In general, most people don’t pay more than $70 per year to get their windshield insured. Since there are such a wide variety of insurance companies as well as policy options, it is up to you to be responsible and understand your own policy. Glass insurance may be included in the comprehensive portion of your policy, but it could also be under collision. In case you were wondering, “glass coverage” basically just refers to full protection for the entire glass section of your vehicle (e.g. all of your windows).

Most people find that the minor expense on an annual basis is really low considering the fact that windshield repair costs could be high. People that have their glass coverage included as a free bonus under their insurance policy will be grateful when the time comes to have their windshield repaired. Although not all insurers offer it as a free bonus, more are starting to make it standard.

What if you forgot to buy glass and windshield protection?

If you have a damaged windshield, but didn’t opt for the glass coverage option on your policy, you will have to pay out of pocket for the replacement and/or repairs. It may seem unfair, but if you think about it, you get what you pay for when it comes to insurance. If you want a comprehensive policy, it will cost you extra. Every little thing that you need repaired that doesn’t come standard is going to really ruin your day more if you have to pay out of pocket.

How To Repair a Windshield (Expert Village) [Video]

Bottom line: It’s a good idea to insure your windshield

Since nobody knows when their windshield will get damaged and need a replacement, the best bet is to choose the appropriate insurance coverage options for your policy. When it comes to driver-safety, having a functional, clear windshield is extremely important. Whether you are paying out of pocket for repairs or had your glass insured, it is highly important to make sure that you get a replacement as soon as possible so that you are able to see the entire road and your surroundings while driving.

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