Does My Car Insurance Cover Windshield Crack Repair?

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A cracked windshield is one of the peskiest auto repair issues. Unlike brakes or air filters, windshields don’t wear out or malfunction; it takes some kind of mishap to crack a windshield. Beyond accidents, a windshield is commonly cracked when some object is thrown at it or falls on it.
It’s important to fix a cracked windshield as quickly as is possible. Cracks can impair your vision while you drive, and worse yet, they can lead to the windshield imploding. Large cracks are susceptible to implosion, and small cracks can turn into large cracks very quickly. So if you find yourself with a cracked windshield, go get it repaired or replaced. Before you do so, however, you’ll want to know whether or not your insurance will cover the repair.

Does Car Insurance Cover Cracked Windshields?

Basic auto insurance does not cover a cracked windshield, unless, of course, the windshield was cracked during a collision. However, if you have comprehensive car insurance, then a cracked windshield likely will be covered. Comprehensive auto insurance covers your car in the event of non-collision situations such as theft, vandalism, and natural disasters. A windshield that was cracked outside of a collision will almost always fall under the umbrella of comprehensive car insurance.
However, windshield replacement and repair is relatively affordable, which means that the repair costs may be less than your deductible. If this is the case, you’ll have to pay for the repair or replacement out of pocket. In most cases, your insurance company will not raise your rates because of a cracked windshield claim; however, it’s worth asking your insurance provider about this. If the claim runs the risk of raising your rates, you may want to handle the repair yourself rather than going through your insurance company.

Are There Insurance Plans That Cover Cracked Windshields?

Six different states make it easier for you to have your cracked windshield repaired. In Arizona, Massachusetts, and New York, you have the opportunity to sign up for glass coverage when you purchase an insurance plan. This will add a small fee to your plan but cover you fully, with zero deductible, if your windshield is damaged. (In Massachusetts, you can choose between that and a slightly more affordable plan that sets your windshield repair deductible at $100.)
Kentucky, Florida, and South Carolina take it a step further, with state-mandated laws requiring auto insurance companies to repair cracked windshields with zero deductible. This means that, as long as your vehicle is insured, you can have a cracked windshield replaced or repaired at no cost to you.
Cracked windshields may seem like a hassle, but fixing them is relatively quick and affordable, and depending on where you live and your insurance plan, you may not have to pay for repairs or replacements. If you want to insure your windshield, consider buying comprehensive coverage or glass coverage.

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