Does Car Insurance Cover Windshield Replacement?

The Basics

Car insurance covers a variety of situations when it comes to repairs, and windshield replacement is no exception. Most standard car insurance policies will provide coverage for windshield replacement if it is necessary due to damage from an accident, vandalism, or a natural disaster. However, depending on the specifics of your policy, there may be limits to the amount that your insurance will cover. It is important to understand the details of your policy before you make a claim.

Types of Coverage

The type of coverage that you have for windshield replacement will depend on the type of insurance policy that you have. Comprehensive coverage is the type of insurance that will usually provide coverage for windshield replacement. If you only have liability coverage, then you will most likely not be covered for windshield replacement. It is important to check your insurance policy to understand what type of coverage you have.

Comprehensive Coverage

If you have comprehensive coverage, then you should be covered for windshield replacement if you need it. Comprehensive coverage is the type of insurance that covers damage to your car that is not caused by an accident. This includes damage from vandalism, natural disasters, and even wear and tear. Most comprehensive policies will cover the cost of replacing your windshield, up to a certain amount. However, this amount can vary depending on the specifics of your policy.

Liability Coverage

If you only have liability coverage, then you will not be covered for windshield replacement. Liability coverage is the type of insurance that only covers damage to other people's property or injuries that you cause. It does not cover damage to your own vehicle, so if you need to replace your windshield, you will likely have to pay for it out of pocket.

When to File a Claim

If you have comprehensive coverage, then you should file a claim with your insurance company if you need to replace your windshield. Your insurance company will send out an adjuster to assess the damage and determine if the cost of the replacement is covered by your policy. If it is, then you will be reimbursed for the cost of the replacement. It is important to note that you may have to pay a deductible before your insurance company will cover the cost of the replacement.

Conclusion

Car insurance can provide coverage for windshield replacement if you have comprehensive coverage. However, it is important to understand the specifics of your policy and the limits of your coverage. You should always contact your insurance company if you need to replace your windshield so that you can find out if you are covered and what you need to do to file a claim. Doing so will help you save money and make sure that your windshield is replaced correctly.