Does comprehensive or collision insurance pay for cracked windshields?

I have full coverage, but a $500 deductible for both. Would I have to pay my deductible if I wanted to have my insurance replace my windshield?

Answer provided by
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Emily Maracle
Answered on Jun 10, 2021
“Whether comprehensive insurance or collision insurance covers your cracked windshield depends on the situation.
If your windshield was cracked in an accident or collision, your collision insurance would cover it. If your windshield was cracked by something else, it’d be covered under your comprehensive insurance.
Unless your policy contains full glass coverage or a specific deductible for glass, you’d need to pay your deductible before your insurance would kick in. Since replacing windshields is typically less expensive than a full coverage deductible, you’ll most likely need to pay for the repair out of pocket.
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