Does Insurance Cover OEM Windshield Replacement?

When a vehicle’s windshield is damaged, owners often wonder if insurance covers replacement, especially with Original Equipment Manufacturer (OEM) parts. The windshield is integral to a vehicle’s structural integrity and safe operation. Understanding insurance coverage, particularly for OEM parts, helps vehicle owners navigate the replacement process.

Differentiating Windshield Types

When a windshield needs replacement, vehicle owners encounter two main types of glass: Original Equipment Manufacturer (OEM) and Aftermarket Replacement Glass (ARG). OEM windshields are produced by the same manufacturer that supplied the original glass during vehicle assembly. They are designed to meet the vehicle manufacturer’s exact specifications, dimensions, and quality standards.

This ensures a precise fit and compatibility with integrated vehicle features, such as advanced driver-assistance systems (ADAS) sensors, which rely on accurate calibration. This adherence results in superior optical clarity, durability, and a maintained factory appearance. OEM windshields are generally higher in cost due to their precise fit, quality control, and brand association.

In contrast, Aftermarket Replacement Glass (ARG) windshields are made by companies not affiliated with the original vehicle maker. While ARG glass meets federal safety standards, its quality, fit, and material composition can vary significantly among manufacturers. These variations may lead to minor differences in thickness, curvature, or tint compared to OEM glass, potentially affecting fitment or the proper calibration of ADAS features. ARG windshields are typically lower in cost, offering a more budget-friendly option.

Standard Auto Insurance Windshield Coverage

Windshield damage is typically covered under the comprehensive portion of an auto insurance policy. This coverage protects against non-collision incidents such as vandalism, fire, theft, falling objects, or striking an animal. Comprehensive coverage generally helps pay for repair or replacement costs if damage occurs due to one of these events.

However, comprehensive coverage usually involves a deductible, which is the out-of-pocket amount a policyholder pays before insurance coverage begins. For example, if a policy has a $500 deductible and an $800 replacement cost, the policyholder pays $500, and the insurer covers the remaining $300. Some policies offer a “full glass coverage” or “zero-deductible glass coverage” rider as an optional add-on. This specialized coverage allows for windshield repair or replacement without a deductible, providing a significant financial benefit for glass-only claims.

Securing OEM Windshield Replacement Through Insurance

Obtaining an OEM windshield replacement through insurance depends on policy language and any additional endorsements. While standard comprehensive coverage generally covers windshield replacement, it often does not explicitly mandate OEM parts; insurers may prefer more economical ARG options. Policyholders seeking OEM glass should review their policy documents or consider an “OEM endorsement.”

An OEM endorsement is an optional add-on to an auto insurance policy that ensures only original equipment manufacturer parts are used for repairs, regardless of the vehicle’s age. This endorsement requires the insurer to cover the cost of OEM parts, which are more expensive than aftermarket alternatives. Some states have laws influencing OEM glass coverage, such as mandating insurers offer OEM parts for newer vehicles or in certain situations. Policyholders should discuss with their agent if an OEM endorsement is available and suitable for their vehicle, especially if it is new, high-value, or equipped with advanced safety features that rely on precise calibration with OEM components.

The Insurance Claim Process for Windshield Replacement

Initiating an insurance claim for a windshield replacement involves a series of procedural steps. The first step is to contact your insurance provider as soon as the damage is noticed. This can typically be done via phone, online, or through a mobile application. During this initial contact, you will need to provide essential information, including your policy number, the date and time the damage occurred, a detailed description of the damage, and your vehicle’s information such as make, model, and year.

The insurer may require a damage assessment, possibly involving photos or an inspection by an approved repair shop. Many insurers have networks of approved glass repair facilities. While you can often choose your repair shop, selecting one from the insurer’s network can streamline the process. Once authorized, schedule the replacement with your chosen shop. The repair facility typically handles billing directly with the insurance company, and any applicable deductible is paid to the shop upon service completion.