Is a New Windshield Covered by Insurance?

A damaged windshield can be a common and frustrating occurrence for vehicle owners. Whether from a stray rock on the highway or an unexpected incident, questions often arise about how such damage is covered by auto insurance. Understanding your policy’s specifics is important, as coverage can vary based on the type of insurance you carry and the circumstances of the damage. This knowledge can help you navigate the process of repair or replacement efficiently.

Understanding Your Insurance Coverage for Windshields

Coverage for windshield damage primarily depends on the types of auto insurance you have purchased. Comprehensive coverage is typically the main source of protection for damage not caused by a collision, such as impacts from rocks, vandalism, or falling objects. This coverage often includes repair or replacement of auto glass, though a deductible usually applies to replacements. For minor repairs, some comprehensive policies may waive the deductible, meaning no out-of-pocket cost for the policyholder.

Some insurance providers offer specific glass coverage, sometimes known as “full glass coverage,” as an optional add-on or a feature within comprehensive plans. This specialized coverage typically allows for glass repair or replacement without requiring you to pay a deductible. This can be a valuable option, particularly if you frequently drive in areas prone to windshield damage.

While primarily for accidents, collision coverage may apply if windshield damage occurs as part of a larger vehicular impact. In such scenarios, the damage to your windshield would be covered under your collision policy, subject to its specific deductible. Conversely, if you only carry liability insurance, your policy will not cover damage to your own vehicle, including the windshield, regardless of how the damage occurred. This type of policy only covers damages you might cause to other vehicles or property.

A deductible is the amount you pay out-of-pocket before your insurance coverage begins to pay for a covered claim. Deductibles for comprehensive coverage can range widely, typically from a few hundred dollars to over a thousand. If the cost of repairing or replacing your windshield is less than your deductible, paying out-of-pocket might be more economical than filing a claim. It is worth noting that some states have specific regulations regarding windshield deductibles, which may mandate a zero deductible for windshield repair or replacement under comprehensive coverage.

Initiating a Windshield Claim

Once windshield damage occurs, initiating a claim promptly is a practical first step. Contacting your insurance provider is typically done through their phone lines, online portals, or mobile applications. It is helpful to have your policy number readily available when you contact them.

During the initial report, you will need to provide details about the damage, including the date and time it happened, the cause of the damage, and its location on the windshield. Insurers may request photos or an inspection to assess the extent of the damage. This assessment helps determine whether a repair or a full replacement is necessary.

When it comes to selecting a repair facility, your insurance company might suggest a preferred network of auto glass shops. However, in most cases, you retain the right to choose your own auto glass repair shop. It is advisable to ensure that your chosen shop works directly with your insurance provider to streamline the billing process.

The payment process for windshield claims often involves the insurer paying the repair facility directly, or you may pay the shop and then seek reimbursement from your insurance company. Repair timelines can vary, but many windshield repairs or replacements can be completed within a few hours to a few days, depending on glass availability and technician scheduling. Prompt action can prevent minor damage from worsening, potentially leading to more extensive and costly repairs.

Repair and Replacement Considerations

Deciding whether a windshield can be repaired or needs a full replacement depends on several factors, primarily the size and location of the damage. Chips or cracks that are typically less than six inches long and not in the driver’s direct line of sight are often candidates for repair. Repairs involve injecting a special resin into the damaged area to prevent further spreading and restore structural integrity. Repairing a windshield is generally less expensive than replacing it and is often preferred when possible.

When a replacement is necessary, you might encounter discussions about original equipment manufacturer (OEM) versus aftermarket glass. OEM glass is produced by the same manufacturer that made your vehicle’s original windshield, while aftermarket glass is made by other companies. Some insurance policies may specify coverage for one type over the other, or they might cover the cost up to the amount of an aftermarket equivalent. OEM glass can sometimes ensure a more precise fit and maintain the vehicle’s original specifications.

Modern vehicles frequently incorporate advanced driver-assistance systems (ADAS), such as lane departure warnings or automatic emergency braking, with sensors and cameras often integrated into the windshield. When a windshield on an ADAS-equipped vehicle is replaced, these systems typically require recalibration to function correctly. Recalibration costs can range from approximately $250 to $700, depending on the vehicle’s make and model. It is important to confirm with your insurer that ADAS recalibration is included in your coverage for a windshield replacement, as improper calibration can compromise vehicle safety features.