Whether insurance covers windshield repair or replacement depends on your specific insurance policy and the circumstances of the damage. In many cases, auto insurance policies may include coverage for windshield damage. There are a few key points to consider:
- Comprehensive Coverage: Windshield damage is typically covered under the comprehensive coverage portion of an auto insurance policy. Comprehensive coverage is optional and covers damage to your vehicle caused by things other than collisions, such as vandalism, theft, and natural disasters. It often includes coverage for glass damage, like a cracked or chipped windshield.
- Deductible: If your policy includes comprehensive coverage, you may still have to pay a deductible before your insurance kicks in to cover the repair or replacement. The deductible is the amount you’re responsible for paying out of pocket before your insurance takes over. The amount of the deductible can vary depending on your policy.
- Repair or Replacement: In many cases, insurance companies prefer to repair windshields rather than replace them, as it is often more cost-effective. If the damage can be repaired, your insurance company may cover the cost of the repair.
- Limits and Restrictions: Insurance policies may have limitations on how often you can make a claim for windshield damage. Some policies may cover repairs without a deductible but require a deductible for windshield replacement.
- OEM vs. Aftermarket: Depending on your policy and insurance company, there may be guidelines about whether they will pay for an original equipment manufacturer (OEM) windshield or an aftermarket replacement. OEM windshields are typically more expensive, and some policies may require you to pay the price difference if you choose an OEM windshield.
It’s important to review your insurance policy and speak with your insurance provider to understand the specific coverage and terms of your policy. If you have windshield damage, contact your insurance company and ask them about the process for making a claim. They will guide you on the steps to take and any documentation or estimates you need to provide.
