Whether your car windshield sustains damage from an accident or other event, you’ll want to have it replaced as soon as possible. Not only will it be a huge detriment during state inspections of your vehicle, but more importantly, your windshield plays a vital role in keeping you safe while on the road. However, when looking for a windshield replacement, a common question will emerge in your mind: Does insurance cover windshield replacements?
The answer to whether you will receive insurance coverage for windshield damage will depend on the circumstances and what form of coverage you have opted for. To learn if you need to pay out of pocket to replace your windshield or how much you’ll need to cover, here is an overview of insurance coverage for windshield replacements.
Collision Coverage
There is more than one kind of insurance coverage for windshields, with the first of them being collision coverage. If you’re ever in a car accident with another vehicle and you notice a giant crack in your window afterward, then collision coverage will help. Additionally, collision coverages will also pay for replacement costs if the damage was caused by crashing into a stationary object, such as a telephone pole.
In some scenarios, you may not have to pay for the replacement even if you don’t have collision coverage. For example, if the other driver was the one at fault for the accident that caused the damage, then they may be the one to pay for the replacement if you file a claim against them. Alternatively, if you were responsible and your car was unharmed, you would still have to pay for the damage inflicted upon the other driver.
Comprehensive Coverage
The other kind of insurance coverage for windshields is comprehensive coverage. Any damage not caused by another vehicle, such as the impact of hail during a harsh storm, rock chips from the road, and theft, among others, will have replacement and repair costs covered by comprehensive coverage.
Some states will have full glass coverage available for drivers to consider as an add-on to their comprehensive coverage. With full glass coverage, they won’t have to pay any deductibles to repair their windshield; their insurance coverage for windshields will cover the costs in its entirety.
Understanding Deductibles
Although your insurance company may pay for most of the replacement or repair costs, you will most likely have to pay for a deductible. A deductible is the amount of money you pay out of pocket or the funds paid directly toward the insurance claim. Afterward, the insurance company will cover the rest of the replacement cost. The reason why policyholders pay for the deductible first is to prove to their insurance company that they were acting in good faith, among other reasons.
The price you pay for a deductible is a predetermined amount you decide on with your insurance company. This cost can vary greatly based on your individual policy and the state you live in, with some states having zero deductibles.
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