Is windshield damage covered under comprehensive?

Asked by: Ms. Raphaelle Predovic II  |  Last update: March 20, 2025
Score: 4.5/5 (52 votes)

Windshield replacement and glass damage are covered under comprehensive insurance, so you will need to pay your deductible before your insurance will start paying. A deductible is your share of the cost for a claim. A deductible is not the same as your premium, which is what you pay to maintain your policy.

Does comprehensive insurance cover windshields?

In general, most auto policies that include comprehensive insurance will provide some type of glass and windshield repair or replacement coverage.

Who is responsible if a rock hits my windshield?

When a rock from the vehicle in front of you hits your windshield, the first question on your mind might be, “Who's responsible for this?” Unfortunately, in most cases, the answer is you.

Does a windshield repair count as an insurance claim?

In most cases, you can't file an insurance claim for auto glass repair or replacement if you don't have comprehensive coverage. But there are two exceptions to that general rule. If either of the following situations applies to you, insurance can pay to repair your windows: Someone crashes into your vehicle.

What type of damage would be covered under comprehensive?

Comprehensive coverage helps repair or replace your car after something other than a collision with another car. Things like theft, fire, hail damage or hitting an animal. It's optional if you own your car outright—but since these situations can happen to any driver, it's recommended to help with costly repairs.

Does Car Insurance Cover Windshield Damage?

24 related questions found

What is one thing comprehensive coverage doesn t cover?

Comprehensive coverage does not cover damages caused by hitting another vehicle or object. These incidents are covered under collision coverage. It will also not cover normal wear and tear on your vehicle.

Is it better to have a $500 deductible or $1000?

Remember that filing small claims may affect how much you have to pay for insurance later. Switching from a $500 deductible to a $1,000 deductible can save as much as 20 percent on the cost of your insurance premium payments.

Is it worth filing a claim for a cracked windshield?

If your windshield is damaged one of the first questions you'll ask yourself is, “Should I use insurance to replace my damaged windshield?” Since most comprehensive auto policies do cover auto glass damage—including the cost of windshield replacement—for most people the answer to this question is “Yes!” However, ...

How to get your windshield replaced for free?

The "free" part kicks in when you file a covered windshield claim and the deductible is waived, which results in your insurance company paying the cost of the replacement pursuant to the terms and conditions of the applicable policy.

How long does a windshield claim stay on your insurance?

Insurance carriers usually keep claim records for five years. When you apply with a new insurance company, they will receive a C.L.U.E. (Combined Loss Underwriting Exchange) report that shows your claims from the past five years. Even towing and windshield replacement claims can show up in a C.L.U.E. report.

Does full coverage cover a rock hitting windshield?

Comprehensive coverage on a car insurance policy may help pay to repair or replace your windshield if it's cracked or shattered by a rock. Another coverage, called full glass coverage, may also be available to help protect you against the cost of fixing or replacing a windshield.

How much does it cost to repair a rock hit windshield?

Costs for windshield repairs vary by location, auto glass service provider and damage type. Typical prices range from $60 to $100 for a single chip, and discounts may apply when fixing additional chips on the same windshield. Crack repair prices are similar, although fixing a longer crack may cost $125 or more.

What to do if small rock hits windshield?

Seek Professional Help
  1. Immediate Attention. Consider seeking professional repair for windshield cracks immediately if they obstruct the driver's view, extend to the edges of the windscreen, or are expanding rapidly.
  2. Small Damage. Even tiny chips and cracks shall be repaired immediately to stop them from getting enlarged.

How much is it to replace a cracked windshield?

Average Cost To Replace a Windshield

Forbes reported that the average cost to completely replace a windshield was between $350 to $550 . However, that price can drastically increase if you're looking to repair a luxury vehicle or a car with rare parts.

What does $500 deductible with full glass mean?

For instance, if you're considering full glass coverage with a $500 deductible and an additional cost of $5-$10 per month on your premiums, it means that before your insurer covers any repair or replacements due to glass damages on your vehicle's windshield, sunroof, or even side windows during an accident or other ...

How do I know if my insurance covers windshield replacement?

Windshield repairs and replacement would typically be covered under the comprehensive coverage portion of your policy. Auto glass damage such as windshield repair, replacement and vandalism claims would fall under this category of insurance depending on what type of policy purchased and State guidelines.

Who pays you to replace windshield?

If you have comprehensive coverage, then you should be covered for auto glass repair, including a full windshield replacement. At Progressive, if your glass can be repaired instead of replaced, then you won't have to pay anything in most cases.

How do I claim windshield damage?

After the incident occurs, contact your insurance agent. Follow the directions your agent gives you to provide all documentation related to the accident and file your claim. Most insurance companies let you file a claim by a phone call, mobile app, online, or in person.

Who is liable for cracked windshield?

However, the driver should be held responsible if you were following the vehicle at a reasonable distance and a rock fell from it and struck your windshield. If this is the case, you can sue the driver for damages.

How much does Safelite charge to come to you?

We'll come to you for free

Wherever. Our auto glass experts will get you back on the road. Some vehicles may not be eligible for mobile service.

Do you have to pay deductible if not your fault?

If your coverage includes a Direct Compensation and Property Damage (DCPD) deductible, you must still pay the DCPD deductible even if you are not at fault.

What is a good deductible for comprehensive?

Common deductible amounts also include $250, $1000, and $2000, according to WalletHub. You can also select separate comprehensive and collision coverage deductibles. For example, you could have a $1000 collision and a $500 comprehensive policy deductible or vice versa.

Does Liberty Mutual cover windshield replacement?

If your windshield needs to be replaced, this service is usually covered by Liberty Mutual if you have Comprehensive Physical Damage Coverage, though you may need to pay a deductible. We'll recommend a full windshield replacement if your glass has four or more chips or cracks, or your damage is larger than six inches.

How much will my insurance go up after a comprehensive claim?

You can expect the most elevated car insurance rates post-accident in California, where the average increase is more than 74 percent.