Loan & Insurance

Does my car insurance cover windshield cracks?

Driving conditions may be risky due to a windshield crack. Therefore, it’s crucial to have it fixed or replaced as quickly as possible. Will insurance, however, cover it? Windshield repair may be covered by your auto insurance depending on what caused the crack and the types of coverage you have. Understanding the glass coverage, you have on your auto insurance policy will help you decide whether to make a claim or pay for the repairs or replacement yourself if your car’s windshield has to be fixed or replaced.

It’s not unusual to have windshield damage. A nationwide auto glass repair business called Safelite claims to service more than 1 million windshields annually. It’s critical to have your windshield repaired or replaced as soon as you can because even a little chip can grow into a significant break.

Does my car insurance cover windshield cracks

You can pay for the repairs out of your own pocket, but it’s a good idea to first check to see whether your auto insurance can help with any or all of the expenses. In general, comprehensive insurance and complete glass coverage are the two forms of motor insurance that may provide coverage for windshield damage.

Let’s examine these insurance policies in more detail and what you should budget for windshield repairs, whether you use an insurance claim or pay cash. Well, the answers to the following questions will be discussed:

  • How much will it cost me to fix a crack on my car windshield?
  • What type of auto insurance covers the repair or replacement of the windshield?
  • Will I have to pay a deductible for a crack windshield?

So, let’s dive in!

Read more: Does car repair insurance worth having?

How much will it cost me to fix a crack on my car windshield?

Repairing a windshield is often less expensive than replacing it. You might first need to cover your deductible if your auto insurance covers windshield repairs. Your plan could, however, not always include a deductible. If you want to pay cash instead, repairs could cost as little as $100, while a complete replacement could cost as much as $200 to $300. Remember that prices can change based on the extent of the damage and the make and model of your car.

It’s better to see a professional if you’re unsure if you need merely a repair or a complete replacement. A windshield with only a few tiny fractures or chips may typically be repaired by the majority of glass repair companies. On its website, Safelite states that a crack that is six inches or smaller is probably repairable. On the other hand, if the crack doesn’t run all the way through the glass and isn’t blocking the driver’s view, a repair might be feasible, according to the website of Glass America.

Read more: Different types of car insurance

What type of auto insurance covers the repair or replacement of a windshield?

Two different types of auto insurance may help with the expense of replacement or repair if your windshield is broken due to something other than an accident.

  • Comprehensive insurance
  • Full glass coverage

Comprehensive insurance

Although this insurance is optional, if you finance or lease your car, your lender can insist that you carry it.

Full glass coverage

Without a deductible, this kind of coverage can pay for windshield replacement or repairs. Although it might not be available in all areas, some insurance companies offer this kind of coverage as an optional add-on or as a component of your comprehensive insurance. In most states, the property damage liability insurance of the at-fault driver would likely pay for your windshield repairs or replacement if it is broken in a car accident.

Will I have to pay a deductible for a crack windshield?

You might have to pay your insurance deductible first before your coverage begins if your comprehensive coverage will cover your cracked windshield. However, you might not always need to.

Consider comparing the price of a windshield repair or replacement to your deductible if you are required to pay one. If your deductible is $500 but your repairs will only cost $200, for instance, it is usually not a good idea to file an insurance claim. Instead, you might visit a nearby repair facility and pay for the necessary maintenance out of pocket.

Read more: Ways to find good and cheap car insurance

In conclusion

If you’re unsure if windshield cracks are covered by your auto insurance, check your policy or inquire with your agent or carrier. If you need assistance understanding what kind of windshield coverage you might have, if any, and whether your deductible applies, they can evaluate your policy.

Unless you choose to pay for the repairs yourself, you must submit an insurance claim if you have windshield coverage in order to begin the procedure. The positive news is the average repair time, according to Safelite, is around one hour. Additionally, some repair services may do the necessary repairs at your home or place of business.

That is all for this article, where the following questions are being answered:

  • How much will it cost me to fix a crack on my car windshield?
  • What type of auto insurance covers the repair or replacement of a windshield?
  • Will I have to pay a deductible for a crack windshield?

I hope you learn a lot from the reading, if so, kindly share with others. Thanks for reading, see you around!

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