Windshield Insurance Claims

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Windshield Insurance Claims
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Let’s face it: windshields are fragile. Throughout the life cycle of a car, its windshield will likely get shattered, broken, chipped, or pitted at least once, making windshield insurance a crucial component of the driver’s toolkit.

Will My Auto Insurance Cover Windshield Replacement?

These are several possible scenarios based on your insurance:

Car Insurance That Does Not Cover Windshield Insurance

Liability insurance doesn’t cover windshield insurance; however, drivers are obliged to carry liability insurance, which only covers damage to another person’s vehicle.

Paying for a Windshield Insurance Claim

For a windshield insurance claim, collision, and comprehensive coverages, run a policy of deducing a specific amount of money before your policy kicks in. The deductible amount can go up to $1000, so paying for the windshield damage is better before the deductible.


For example, you might have to pay $700 to file the claim, while the repair will cost you $500 out of pocket. At the same time, many insurance companies do not charge a deductible.

Reasons for a Damaged Windshield

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Some of the circumstances that can damage the windshield and make you eligible for an insurance claim are:

It is wise to examine the damage, even if it seems minor. Driving causes a vibration that can lead to cracks spreading and enlarging. The windshield is crucial for your car’s overall strength and structural integrity. If your vehicle sustained windshield damage, it might not pass the state inspection.

Should I Use Insurance to Replace Windshield?

Certain factors decide when insurance is needed to replace the windshield, such as the number of crack points, their location on the windshield, and the crack’s extent. You can opt for a windshield replacement with a comprehensive coverage package.

Before filing your windshield insurance claim, make sure to factor in your deductible and compare the numbers: repairing the windshield without insurance will allow you to save more. Also, determine whether the windshield insurance claim will affect your insurance rate.

Should the Windshield Be Replaced or Repaired?

Consider having a professional look at the windshield and determine whether it should be repaired or replaced if it has the following damage:

How To Claim a Windshield Insurance Claim?

If your windshield gets damaged for any of the mentioned reasons, do this:

  1. Examine your insurance policy to see if the insurance will cover the repair or replacement cost.
  2. Inform your insurance company (online or by hard copy) of any damage to your car’s windscreen and submit a claim for replacement or repair, including the date and time of the incident. If your windscreen was damaged or cracked because of vandalism, contact the police, file and get a copy of the FIR, and then submit that claim to your insurer to be eligible for a windscreen insurance claim.
  3. After filing the claim, choose your repair business and inform your insurance company.
  4. Drive your car to the selected garage. The garage’s specialists will examine the damage and advise whether you should repair or replace the windscreen. The windscreen might be fixed or replaced in up to 45 minutes. The technician will tell you when it is safe to start driving again.
  5. Submit the receipt. Following the repair, notify your insurance company of your name, policy number, phone number, and date of damage.
  6. Discuss the payment with your provider. If your insurance provider believes that the cost of the service is higher than the reasonable cost, you might not be fully reimbursed, depending on the terms of your insurance agreement.

Documents Required to File a Windshield Insurance Claim

Case 1 – Passenger Vehicle

Case 2 – Commercial Vehicle

Can a Windshield Claim Result in a Higher Insurance Rate?

Your insurance provider will determine whether a glass claim will impact your car insurance rate. In general, a glass claim shouldn’t affect your auto insurance rate much (if at all). However, if you make several glass claims continuously, it will likely increase your insurance rate.

A history of making several auto insurance claims could have the insurance provider mark you. When you apply for a policy, your insurance firm checks a database where insurers report claims. Multiple claims are seen as a risk, resulting in increased insurance rates. But again, if your windshield was cracked due to something you weren’t responsible for, such as a hailstorm, the insurance provider should keep your rate the same.

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Frequently Asked Questions

What is windshield insurance?

Windshield insurance covers the price of replacing or repairing your windshield if it cracks, chips, or becomes damaged from collision, debris, natural disaster, or vandalism.

Does comprehensive insurance cover a cracked windshield?

Yes, comprehensive insurance covers a cracked windshield. The covered perils include fallen objects, vandalism, weather conditions, and animals. Repair and replacement options are provided.

How much does it cost to repair or replace a windshield?

Fixing a chip or crack more petite than a quarter or a few inches in length ranges from $70 to $110. However, the cost of windshield insurance may rise if your car contains cutting-edge driver assistance features.

What would happen if the replacement windshield’s installation was flawed?

The auto glass shop will be liable for fixing any problems resulting from poor installation or defective glass material and for any damage incurred.

That said, the quality of work of repair shops is usually high due to the need of the latter to comply with the standards allowing them to partner with insurance providers. These standards include a high caliber of work, superior materials, and outstanding client service.


Oleksandr is an expert in deep research. He covers various insurance topics across verticals, adopting to every local law.

Date added: November 10, 2022