Your windshield can crack or shatter for a variety of reasons, ranging from a tree falling on it, to a rogue baseball landing on it, to a vandal purposely breaking it. And of course, you can also break the glass of your car in an accident.
A lot of people who experience broken car glass find themselves wondering if it’s covered by their car insurance policy. As with most things regarding your car insurance, you ideally want to be asking that question before you need the coverage. Either way, whether you’re being preemptive or have broken glass right now, it’s something that’s important to know.
Does car insurance cover broken glass?
If you have comprehensive coverage, then yes, your car insurance will cover you if you have cracked or shattered glass. Most people who purchase car insurance have comprehensive coverage, but it is just an option, so you’re not legally required to carry it. But if you can afford it, it’s a good type of coverage to have.
Comprehensive coverage protects your car in the event that it’s damaged by something other than accidents. If weather, or a vandal, or any other such event causes damage to your car, it will be protected by comprehensive coverage.
The bulk of broken car glass cases come from incidents other than car crashes, which means they’re only covered if you have comprehensive coverage.
What if you don’t have comprehensive coverage?
If you don’t have comprehensive coverage, then you won’t be protected if your car has broken glass, unless the glass was damaged during an accident. If, for instance, you’re in a car crash and your windows are shattered, they’ll be covered by your car insurance policy.
How much does it cost to repair or replace broken glass?
The cost of broken glass depends on a few factors, namely the type of car you have, and how serious the damage is. If your windshield is cracked, but the crack is shorter than six inches, the windshield can usually be repaired. If the crack is longer than six inches, or the windshield is shattered, you’ll need it replaced. Repairs usually cost in the range of $100 to $150, while replacements run you between $300 and $500. However, for expensive specialty cars, those prices can be a lot higher.
Broken glass on windows is usually more expensive.
Should you file a claim if your car has broken glass?
A lot of times the cost to repair or replace broken glass will be less than whatever your car insurance deductible is. If that’s the case, it’s worth considering not filing the damage as a claim. Filing a claim usually raises the price of your car insurance premiums, so if there’s no financial benefit to filing a claim for broken glass, it can just end up costing you more money.
What should you do if you have a broken windshield?
If you have a windshield that has been shattered or severely cracked, you should get it fixed immediately. There are a lot of mobile windshield replacement companies that will come to you, so you don’t have to risk driving your car. Never drive a car with a shattered windshield, and only drive a car with a cracked windshield at very low speeds, as it can crack worse under the pressure of high speeds.
Having broken glass in your car is not a lot of fun, but it can easily be handled, with or without the help of your insurance.