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How do you submit a claim to your insurance for a car windshield?

A rock hit my windshield and broke it. I think my insurance policy covers windshield replacement. How do I claim a windshield on my insurance?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“To submit a claim to your
insurance
for a car windshield, you’ll need to contact your provider.
Note that broken windshields are covered by
comprehensive coverage
. The standard auto insurance policy does not include comprehensive insurance; drivers must elect to add it on. You can check your
policy declaration page
or ask an agent to verify if you carry this type of coverage.
Comprehensive insurance covers damage to your vehicle from certain perils, including:
  • Vandalism
  • Theft
  • Windstorms
  • Hail
  • Fires
  • Broken glass
  • Contact with animals or birds
Since a rock broke your windshield, you would be able to submit a claim to your insurance for the damage. However, you’ll need to pay your comprehensive deductible—unless you have full glass coverage on your policy. You can reach out to your car insurance company to find out.
  • If you have full glass coverage, you’re all set. Your new windshield will be fully paid for by insurance.
  • If you don’t, you’ll be responsible for paying your deductible, and your insurance will cover any remaining balance.
If you feel your insurance is lacking or you’re paying too much for it, try
Jerry
. The Jerry app can gather low-cost quotes from over 50 top insurers in minutes and deliver the best deals directly to your phone for free. No paperwork. No phone calls. Just savings.”
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