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  • AZ Insurance Team

Understanding Auto Glass Coverage: Protecting Your Windshield and More

Updated: Jun 21

At the first sign of a cracked windshield, you’re likely to ask yourself whether or not your car insurance will cover it.

If they will, you can simply call the mobile windshield replacement company and you’ll be good to go before you leave work. If they won’t, you’ll need to shop around a bit to make sure you get the best deal on a replacement.

Coverage for a cracked windshield is considered optional by just about every car insurance provider. What you get with a basic insurance policy is simply the minimum amounts of liability coverage.

Typically this includes property damage, bodily injury, and uninsured driver coverage.

Anything above and beyond those minimum requirements, such as coverage for collisions or fire and theft, are extras that will add to the cost of your policy.

Will my glass coverage cover repairs on chipped windshields?

Sometimes a windshield will suffer a chip or a small crack that doesn’t extend through the glass. Modern technology has made it possible to repair minor damage using high heat and pressure.

Such repairs are usually guaranteed for the life of the windshield, making them a more attractive option than replacing the glass altogether.

While most insurance companies did not cover such repairs when the technology first came out, now that it has been proven to be safe and effective, those insurance companies have changed to cover those repairs.

Should I file a windshield claim if I have a high deductible?

Once you find out what your deductible is, get an estimate quote from the company who will fix or replace your windshield. If the amount to take care of your windshield is less than your deductible, then you definitely want to pay for it out of your own pocket.

If your deductible is less than the cost of the windshield, you still may want to not use your insurance to cover the damage.

For example, if your deductible is $250 and the cost to replace your windshield is $275, you will be paying $250 out of your pocket and the insurance company only has to pay $25. This may not be worth it.

Will my insurance premium increase from a windshield claim?

No matter what the cause of the claim is, insurance companies will usually use any claim filed as a reason to increase your insurance rates. This includes using your comprehensive insurance coverage to pay for a cracked windshield.

Because of this, unless your deductible is fairly low and the cost to fix your windshield is high, it is often a better decision to just pay for the windshield with your money and not use the insurance company, in order to prevent your premiums from increasing.

Call us for a quote or if you have any questions about what you are covered from

AZ Insurance Team 480-535-5709

*All policies are a little different and this may not be applicable to your insurance policy, talk to your agent to see what your policy covers.

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