Does the car insurance cover a cracked windshield?

If your car insurance includes full physical damage coverage, you are probably covered by the cracked windshield within the limits of your policy. Generally, these risks are subject to a deductible. To find out if you have extensive coverage, check the insurance policy contract or contact your insurance company representative.


Many insurance policies include a deductible for global claims. It is a good idea to weigh the possible cost of repairing or replacing a windshield against the deductible amount. As an example, if the repair is US $ 217 and the amount of your deductible is US $ 200, consider repaying it. The insurance company will only pay US $ 17 and a claim that you see in your affiliation history has been filed.

Some insurance providers respond to any claim, regardless of your cost as a reason for reclassification of the insured as a high risk driver. Making excessive statements of any kind can cause peak premiums, an event known as the application of a surcharge.

The deductible of the waivers

Insurance companies in some states and regions, especially rural ones, may waive deductibles for windshield damage. Your reasons are simple. Some areas experience severe winters and, to preserve local wildlife, highway departments cover icy roads of gravel and sand instead of de-icing salt. The wheels of cars and trucks pick up the hard waste and sometimes a stone flies the windshield. In these cases, the insurers consider that the windshield cracks are an accident without fault and renounce the deductible. The waiver of deductibles for windshield notches, as they are called, are explained in the insurance policy.


When the windshield is broken or damaged, it can be repairable. One way to get an idea of ​​whether the windshield can be repaired is to hold a dollar over the crack. If the bill covers the entire crack, it can probably be repaired. In some areas, insurers send a mobile repair unit with a technician who can work on the crack. The repair process can take as little as half an hour. One of the advantages of repairing is that it leaves the original factory windshield seal in place. The repair may leave a slight defect that disappears from sight, so that it is invisible. And, since a windshield is made of a non-recyclable material, the repair of a windshield is better with the environment than the replacement.


Sometimes, the damage to a cracked windshield is so great that it must be replaced. If the windshield glass breaks and your auto insurance includes a wide coverage, the usual procedure is to report the incident to your insurance company as soon as possible. If the glass has fallen into the vehicle, it is important to protect people from the glass and protect the interior of the vehicle from weather damage by covering the open area or storing the vehicle in the garage.

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