Whether caused by a stray pebble flung up by a passing truck or a falling branch during a storm, windshield damage can be both annoying and potentially dangerous.
But does your car insurance cover this type of damage? Let’s dive into the policy details to find out.
The answer to whether windshield damage is covered by car insurance isn’t a simple yes or no. It depends on several factors, including the type of coverage you have and the cause of the damage.
Comprehensive Coverage
If you have comprehensive coverage, you’re in luck! This type of insurance typically covers windshield damage.
Comprehensive coverage protects your vehicle from damage caused by events other than collisions, such as theft, vandalism, or natural disasters. Flying debris that cracks your windshield? That’s usually covered too.
The ISO auto insurance policy form (used by many car insurance companies) includes language specifically addressing this type of coverage:
“We will pay for direct and accidental loss to ‘your covered auto’ or any ‘non-owned auto’, including their equipment, minus any applicable deductible shown in the Declarations. We will pay for loss to ‘your covered auto’ caused by:
1. Other than collision only if the Declarations indicate that Other Than Collision Coverage is provided for that auto.
2. Fire;
3. Theft;
4. Explosion or earthquake;
5. Windstorm;
6. Missiles or falling objects;
7. Hail, water or flood;
8. Malicious mischief or vandalism;
9. Riot or civil commotion;
10. Contact with bird or animal; or
11. Breakage of glass.”
A rock or other debris striking your windshield would typically fall under this “falling objects” category.
Wait, “Breakage of glass” Doesn’t Cover a Broken Windshield?
At first glance, it seems logical that “Breakage of glass” would cover a broken windshield.
However, there are a few reasons why this might not always be the case:
1. Specific Policy Language
Some insurance policies differentiate between types of glass in a vehicle. For example, the policy might state:
“Breakage of glass” refers to glass breakage unrelated to other covered perils, such as side windows or sunroofs. Windshield damage is covered under “Missiles or falling objects” or other applicable perils.
2. Cause of Damage
The cause of the glass breakage can determine which part of the policy applies. If a rock hits your windshield (a “falling object”), it would be covered under item #6, not #11.
The “Breakage of glass” provision might be more applicable to unexplained glass breakage or breakage due to stress or temperature changes.
3. Comprehensive vs. Collision Coverage
Windshield damage is typically covered under comprehensive coverage, which includes the list of perils we’ve discussed. The “Breakage of glass” provision might be more relevant to collision-related glass damage.
4. Policy Structure
Some policies might treat windshield damage separately from other glass breakage, offering specific “full glass coverage” or “windshield coverage” endorsements.
Collision Coverage
What if your windshield cracks due to a collision? In this case, your collision coverage would come into play. Collision insurance covers damage to your car resulting from a collision with another vehicle or object, regardless of who’s at fault.
Deductibles and Claims
Before you rush to file a claim for that chip in your windshield, consider your deductible.
Many comprehensive policies have a deductible—the amount you pay out of pocket before your insurance kicks in.
If the cost to repair or replace your windshield is less than your deductible, it might make more sense to pay for it yourself.
Interestingly, some states have laws requiring insurance companies to waive the deductible for windshield repairs or replacements. Check your local regulations or consult with your insurance agent to see if this applies in your area.
In modern vehicles with advanced safety systems, after a windshield is replaced the installer often requires a recalibration of the sensors embedded in front of the rearview mirror. This can add several hundred dollars or more to the cost of replacing a windshield.
My recommendation is to take your vehicle to an auto body shop or glass repair business to get several price quotes before filing your claim. If sensor recalibration is required, there is a much better chance that the repair cost will exceed your deductible.
Repair vs. Replacement
When it comes to windshield damage, size matters. Small chips or cracks can often be repaired, while larger ones may require full replacement.
Many insurance companies prefer repair over replacement when possible, as it’s less expensive. Some even waive the deductible for repairs to encourage policyholders to fix small issues before they become bigger problems.
How Your Damaged Windshield Can Be Repaired
Rock chip repair is a specialized process used to fix small damages in windshields without requiring a full replacement.
The procedure begins with a thorough cleaning of the damaged area to remove any debris or loose glass. This is crucial for ensuring the repair material adheres properly and creates a strong, clear bond.
Once cleaned, the technician uses a specially designed tool to inject a clear, resin-based compound into the chip or crack. This resin is formulated to match the optical clarity of the windshield glass and to create a strong bond that prevents the damage from spreading.
After injection, the resin is cured using ultraviolet light, which hardens it and creates a permanent repair.
Finally, the repaired area is polished to blend seamlessly with the surrounding glass, often making the repair nearly invisible.
This process not only restores the structural integrity of the windshield but also improves visibility by reducing light refraction from the damaged area.
Get That Windshield Fixed ASAP!
A damaged windshield isn’t just a cosmetic issue—it’s a safety concern. Your windshield provides structural support to your vehicle and plays a crucial role in airbag deployment. Don’t put off repairs!
Imagine you’re driving on a bumpy road, and that small chip suddenly spreads across your entire windshield.
Not only is this dangerous, but it also means you’re now looking at a full replacement instead of a simple repair. Act quickly to prevent minor damage from becoming a major headache.
Final Thoughts
So, is windshield damage covered by car insurance? In many cases, yes—but it depends on your specific policy and the cause of the damage.
Review your policy, understand your coverage, and don’t hesitate to reach out to your insurance agent with questions. After all, that’s what they’re there for!
Remember, your windshield is your window to the road ahead. Keep it clear, keep it safe, and keep yourself protected with the right insurance coverage.
During his career as an independent insurance agent, Ryan Grabenstein was appointed with Progressive, Allstate, Nationwide, Travelers, and many smaller regional and mutual companies. He has a Bachelor's degree in Finance from the University of Nebraska at Lincoln and Certified Insurance Counselor (CIC) personal and commercial lines training.