Why won't my car insurance pay for a cracked windshield?

"I have full coverage and thought comprehensive covered cracked windshields. My insurance company is saying I need to pay my deductible of $500 first. Why won't they cover it?"

Answer
“A cracked windshield or broken glass is normally covered under comprehensive insurance or collision insurance depending on how the crack occurred.
However without full glass coverage or a $0 deductible for glass, you’d be responsible for paying your deductible first. While it depends on the type of vehicle you have, you can typically get a crack repaired or your windshield replaced for less than $500. Unless the cost is well above $500, you should just pay the cost out of pocket.
If you’re worried you may have a cracked windshield in the future, you should check with your insurance company. They may offer full glass coverage on your policy. Since you already have full coverage, it shouldn’t cost significantly more to add it.”
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Emily Maracle
Answered on Jul 27, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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