Does Auto Insurance Cover Cracked Windshield

Have you ever noticed a chip or crack suddenly appear on your windshield? It happens so fast— one moment your auto glass is flawless, and the next, a stray rock leaves a mark. You might wonder if your auto insurance will cover the cost of fixing or replacing your cracked windshield. In this article, we’ll answer this question in detail, so you know what to expect if your car's windshield gets damaged.

Don’t feel like reading the full article? Here’s TL; DR:

• Your comprehensive policy covers windshield damage from road debris, hail, falling tree branches, vandalism, theft, or an animal collision.
• You may need to pay your deductible unless your comprehensive policy includes full glass coverage.
• If another vehicle crashes into you, at-fault driver’s liability may cover your windshield replacement.
• Regardless of who caused the accident, collision coverage can pay for a cracked windshield repair if it comes from accidents or collisions with another vehicle or object.
• You’re waived from paying the deductible for a windshield replacement claim if you live in a “zero deductible” state like Florida, Kentucky, or South Carolina.

Does Auto Insurance Cover Cracked Windshield? Quick Answer

The short answer is yes. Car insurance does cover a cracked windshield if you have an adequate insurance policy. Your comprehensive insurance will cover the costs if your windshield damage comes from road debris, a large hailstone, or a falling tree. 

However, if the damage happens in an accident, insurance companies won’t pay you unless you have collision insurance. Some insurance companies offer full glass coverage, which could waive your deductible for glass repair. 

Before you file a claim, check your policy. You might have to pay out-of-pocket if you don’t carry the right auto insurance coverage or if your coverage is limited.

Which Insurance Policy Covers Windshield Damage?

As we mentioned, your comprehensive policy will most likely pay for windshield damage or windshield cracks. Because it’s the primary coverage for windshield replacement. But unfortunately, not in every situation. 

Look at the following 4 types of car insurance coverage that may cover a cracked windshield in different scenarios.

1. Comprehensive Insurance Coverage 

Does comprehensive auto insurance cover cracked windshields? Yes. In fact, the primary and most common coverage for windshield or auto glass damage is your comprehensive insurance. It protects you from many risks including theft, vandalism, fire, natural disasters (e.g., earthquake, flood, storm), falling objects (e.g., tree branches, debris), animal collisions (e.g., hitting with a deer), and damage caused by civil disturbances (e.g., riots, protests). 

This means, for any windshield cracks caused by natural disasters (e.g., hail), road debris, falling objects, vandalism, or animal collision, you will get covered through comprehensive insurance. However, you have to pay the deductible unless you have a policy that includes full glass coverage. 

2. Collision Insurance Coverage [H3] 

What if your windshield is broken from accidents or collision with another car or object? Will comprehensive policy still pay for it? The answer is no. In this case, you will need collision coverage to get reimbursement for windshield repair. This coverage helps pay for repairs if you hit another vehicle or object. 

However, you will need to pay the deductible before your insurer covers the rest. Since every insurance company is different, we also recommend checking the terms of conditions for collision coverage to see whether it’s applicable for cracked or damaged windshield repair. 

3. Liability Insurance Coverage 

Does liability insurance cover a cracked windshield? The shortest answer is no. But there are certain scenarios when liability insurance comes in handy. 

Auto liability policy covers damage you cause to others. If another driver damages your auto glass or you get into a crash that breaks your windshield and the other driver is at fault, their liability insurance may cover your windshield repair. 

But unfortunately, if you’re at fault, your insurance policy won’t pay for it. 

4. Full Glass Coverage 

This is an add-on to comprehensive insurance. It allows for glass repair without a deductible. Some insurance companies offer this as part of their auto insurance policy. 

It's an easy, quick, and hassle-free policy for many drivers when it comes to repairing or replacing a vehicle’s glass. Whether it’s a chip, crack, or shatter, the policy makes sure you get your car’s glass fixed quickly and easily. 

Full glass add-on usually covers the costs of repairing or replacing auto glass including:  

• Cracked windshield
• Windows
• Sunroofs 

This policy comes with no deductible for glass claims. 

Learn about different types of car insurance coverage to understand what they cover and what they don't 

Will My Car Insurance Pay for a Broken Windshield If I Have Full Coverage Insurance? 

Yes. If you have full coverage, your windshield replacement is likely covered. Full coverage includes comprehensive insurance, collision coverage, and liability insurance. All these three coverages can help you pay the costs of repairing or replacing your cracked windshield from most unexpected events including road debris, hail damage, theft, vandalism, animal collision, and accidents. 

Please note that if your state laws don’t waive the deductible for windshield coverage, you’ll need to pay the deductible out-of-pocket. Plus, some insurance companies offer full glass coverage, which waives the deductible for glass repair or replacement. So, check your insurance policy for details. 

If you need affordable full coverage auto insurance that pays for a cracked windshield, or windshield replacement, contact L.A. Insurance today. We can help you get the right coverage at the cheapest rate and protect you from most unforeseen events. 

Read More: Does Car Insurance Cover Hail Damage? 

Situations When Car Insurance Doesn’t Cover a Cracked Windshield

Not all windshield damage qualifies for insurance coverage. In some cases, your insurance policy may not help with windshield replacement or glass repair. This depends on your coverage type, the cause of the damage, and your deductible. 

If your auto insurance policy lacks comprehensive insurance, you may have to spend your own money to repair or replace a cracked windshield. Also, some insurance companies may have restrictions on glass claims. 

The table below outlines the common situations where car insurance coverage won’t apply for windshield damage:

When Does Car Insurance Cover Full Windshield Replacement?

In some cases, a cracked windshield repair might not be enough. So, you will need a full replacement. If you have comprehensive insurance, your insurer will typically cover windshield damage caused by road debris, hail, theft, vandals, or a falling tree. 

If an accident occurs and leaves you with a broken windshield, your collision insurance might pay the replacement costs. Also, if you’re an accident victim, the at-fault driver’s property damage liability might help you pay the cost of full windshield replacement. 

Will I Get an OEM Windshield or an Aftermarket One? 

Whether you receive an OEM (Original Equipment Manufacturer) windshield, or an aftermarket windshield depends on your insurance coverage. In most cases, car insurance companies cover aftermarket glass, as it’s more affordable. However, some policies might allow you to request an OEM windshield, but you may have to pay the difference. 

OEM windshields match your vehicle’s match your vehicle’s original specifications. It better fits and ensures better quality. Plus, they work seamlessly with sensor-based features like collision coverage and roadside assistance. Aftermarket windshields, on the other hand, meet safety standards but may have minor differences in thickness or clarity. 

Should I Always File a Claim for a Cracked or Damaged Windshield? 

No, you shouldn’t always file a claim for a cracked windshield. Filing an insurance claim for windshield damage depends on the extent of the damage, your insurance policy, and the deductible amount. If your glass repair costs are lower than your deductible, paying out-of-pocket is smarter.  

Sometimes a tiny chip on your windshield can be repaired by the auto service provider for free. In that case, you don’t need to file a claim for windshield damage. Even if the minor damage costs you a few dollars, it isn’t worth filing a claim! Because insurers keep every record of your claim history for setting and updating your future car insurance rates. So, frequent insurance claims can increase your premiums. 

However, if the cost of repairing your windshield exceeds a few hundred bucks, you should certainly file a claim. Also, if the damage to your windscreen is more than 6 inches longer, filing a full windshield replacement can be a wise decision. Having full glass coverage in this case would help you pay total replacement costs without a deductible. 

Learn More: Can You Cancel an Auto Insurance Claim After Filing It? 

How Do I File a Claim for a Cracked Windshield? 

Filing an insurance claim for windshield damage is a simple process, but you need to follow the right steps. If you could provide a few accurate details, it can help you speed up the process.

Steps to file a windshield claim:

1. Assess the damage first
2. Take photos of the chip or crack and measure its size
3. Remember, a small chip might need only a glass repair
4. Contact your insurance company and file a claim either online, through an insurance agent, or by visiting a local office.
5. Provide documentation along with images and details of the windshield damage to your claim adjuster.
6. Your insurer may suggest approved auto repair shops or offer mobile windshield replacement services.
7. Schedule repair or replacement by visiting a facility or having an auto glass specialist come to you.

Do I Have to Pay a Deductible for a Cracked Windshield?

It depends on your insurance coverage and state laws. If you have full glass coverage, your insurance company may waive the deductible for windshield repair. However, in the case of comprehensive coverage, you may need to pay the deductible before your insurance policy covers the rest. 

Some states including Florida, Kentucky, and South Carolina require insurance companies to replace windshields without a deductible. They are called “Zero Deductible” states. Other states, like Arizona, Connecticut, and New York allow the purchase of lower comprehensive deductibles for glass damage.  

According to the Insurance Journal, the majority of insurance companies waive the deductible on a repair but not a windshield replacement. So, you should always check with your insurance company about the deductible on windshield replacement or repair claims.

Will My Car Insurance Premiums Go Up for Filing a Claim for a Cracked Windshield

Filing a glass claim for windshield damage usually doesn’t impact your insurance premium. Most companies consider windshield repair a minor claim. However, frequent claims can increase your auto insurance premiums over time. 

If the windshield replacement is costly, your insurer might reassess your insurance risk. Some insurance policies offer full glass coverage. This helps repair or replace services without affecting your rates. Always ask your insurance agent before submitting a claim to avoid unexpected costs. 

Is It Worth Filing a Claim for a Cracked Windshield?

It depends on the cost of windshield replacement and your deductible. If the repair cost is less than your deductible, it would be considered ideal if you don’t apply for claims. If you need to replace the full windshield glass and if you have full glass coverage added to your policy, filing a claim is definitely worth it. 

Keep in mind that it’s better to be safe than sorry! So, if you do think that you need a clear, safer, and better windshield, then don’t hesitate to get help from your insurer to replace or repair it. 

Ignoring windshield damage can lead to safety risks, higher repair costs, and even failed inspections. If the crack is obstructing your view, spreads beyond a dollar bill, or affects safety sensors, filing a claim is undoubtedly the best decision.

Should I Repair or Replaced My Cracked Windshield? 

A small chip on your windshield might not seem urgent, but it can quickly turn into a larger crack. Windshield damage spreads due to temperature changes, road debris, and even normal driving variations. 

Whether you need a repair, or a full windshield replacement depends on the size, depth, and location of the damage. If the damage is smaller than a dollar bill, a repair may be enough. However, if the crack is long, deep, or in the driver’s direct line of sight, you likely need a replacement. 

In fact, if the crack is more than 6 inches longer, it’s best to fully replace the windshield. In case the crack is smaller than 6 inches and isn’t preventing the driver from viewing the road clearly, you can either repair it or keep it the same way. 

It's also worth noting that windshield replacement is necessary if the damage affects safety features like sensor-based collision coverage or a camera-assisted driving system. So, ignoring the damage can lead to compromised safety as well as higher insurance premiums. 

How Much Does It Cost to Repair or Replace a Damaged Windshield?

A minor chip or crack is usually cheap to fix. The average windshield repair costs between $50 and $150. But it may vary depending on the auto repair service you choose. 

According to Forbes, a full windshield replacement costs between $350 and $550. However, vehicles with luxury car features, sensor-integrated auto glass, or collision insurance systems may cost much more. If you add full glass coverage to your existing comprehensive insurance policy, it may waive the deductible for a replacement. 

Learn More: Does Insurance Cover Auto Repairs? 

What If My Car Insurance Doesn’t Cover Windshield Damage?

If your car insurance doesn’t include windshield damage, you’ll need to pay for glass repair or full windshield replacement yourself. There are also a few other ways to manage costs. 

Here's what you can do if insurance won’t cover a cracked windshield:

• Pay your own repair bills which might cost you between $50 and $150 in case of a minor chip or crack.
• Some states require insurance companies to provide full glass coverage, so verify your policy details or talk to an insurance agent.
• Look for repair discounts.
• Use your warranty because if your windshield damage is due to a defect, your vehicle manufacturer may cover the replacement.

What Causes a Cracked Windshield? 

Although a windshield is strong, various factors can cause damage. Some cracks appear all of a sudden, and some others might develop over time. 

Here are a few common causes for windshield cracks:

• Road debris: Rock and gravel kicked up by other vehicles can hit your auto glass and cause a chip or crack.
• Extreme Temperature: Sudden shifts in heat or cold can weaken the glass and make it crack.
• Hail and Storms: Heavy hail, falling branches, or flying debris can lead to serious windshield damage.
• Poor Installation: If the windshield is installed loosely or incorrectly, it will be more prone to cracking under stress.
• Vandalism and Theft: Intentional damage from vandals or break-in attempts can shatter your windshield.
• Car Accidents: Even minor collisions can create cracks that require a full windshield replacement.

Is It Safe to Drive with a Cracked Windshield

No, not at all. Driving with a cracked windshield is obviously risky. Your windshield provides structural integrity, prevents injury, and helps with airbag deployment. Even a small chip or crack can spread over time, reduce visibility, and eventually increase the chances of an accident. 

Many states have laws against driving with a cracked windshield. Federal law prohibits cracks larger than ¾ inch in the driver’s line of sight. Some states, Virginia, fail vehicle inspections if the windshield damage affects safety. 

Besides, states like California prohibit cracks larger than 1.5 inches that impair visibility. In Delaware, any window cracks over 5 inches will automatically result in a failed inspection. In Michigan, you must meet the standard federal law which is you cannot legally drive a car if there is a windshield cracks (chip particularly larger than ¾ inches) that obstruct the Critical Vision Area (CVA). 

Keep in mind that a weak windshield may shatter during a crash and put you and your passengers in danger. If your insurance policy covers glass repair, it’s best to use it and fix or replace the damaged windshield as soon as possible. 

Important Tips to Protect Your Windshield 

Simple habits can reduce the risk of cracks and extend the life of your windshield:

• Avoid driving too close to trucks and cars that kick up road debris.
• Park smartly and use a garage or shaded area to prevent heat-related damages.
• Drive slowly and carefully on gravel roads.
• Replace worn-out wiper blades as they can scratch and weaken your windshield.
• Never pour hot water on an icy windshield, as it may crack the glass.

Does Car Insurance Cover Windshield Damage: The Bottom Line

Hope you found out whether auto insurance covers a cracked windshield. 

To recap, yes, but the coverage depends on your insurance policy. Comprehensive insurance covers windshield replacement for glass damage from hail, road debris, and vandalism. Some states even require insurance companies to waive the deductible for full glass coverage. 

If your auto policy lacks comprehensive coverage, you may have to pay for the repair yourself. Always review your auto insurance coverage before deciding to file a claim for windshield repair.

If you need windshield coverage from L.A. Insurance, talk to our agent. We are the most reliable and affordable insurance agency for various auto policies. Get a free insurance quote right away or call us at (888) 500-6065 to get 

Frequently Asked Questions (FAQs)

Who is responsible if a rock hits my windshield? 

If a rock hits your windshield while driving, the responsibility generally depends on where the rock came from. It is quite difficult to prove where it exactly came from. If debris falls from a truck that was improperly loaded, then the truck driver will be held responsible. In this case, the truck driver’s liability insurance may cover your windshield damage. 

Does car insurance cover rock chips? 

Yes, comprehensive insurance often covers rock chips, but you need to pay your deductible unless you are waived or have full glass coverage added to your policy. 

How much is a deductible for a cracked windshield? 

Your deductible amount depends on your insurance policy. It typically ranges from $250 to $1,000. If you have full glass coverage, your insurance company may waive the deductible for windshield repair. 

Can I get my windshield replaced for free? 

In some states, yes. If you already have added the add-on full glass coverage to your comprehensive policy and living in a particular state that waives the deductible, then you don’t need to pay a dime to get a repair or replacement for a cracked windshield. 

What states offer free windshield replacement? 

Florida, Kentucky, and South Carolina require insurance companies to provide windshield replacement without a deductible under comprehensive insurance. Other states, like Arizona and New York, allow drivers to buy low-deductible glass coverage. 

Can I pass state Inspection with a broken windshield? 

It depends on your state and the extent of the damage. Some states fail vehicle inspection if the windshield damage blocks the driver’s view. Cracks larger than ¾ inch or near sensor areas may also cause rejection. It’s advisable to check local laws before driving with a cracked windshield. 

What are the tips for repairing cracked windshields? 

Act fast to prevent the chip or crack from spreading. Keep the area clean and avoid sudden temperature changes. A glass repair kit can help. But professional windshield repair services can make sure long-lasting results. If the damage is too large, consider full windshield replacement. 

Does car insurance cover broken side windows? 

Yes, if you have comprehensive coverage. It covers glass damage from vandalism, theft, natural disasters (e.g., floods, storms, hail), road debris, and animal collisions. Nevertheless, full glass coverage will be required to waive your deductible.