Blog Windshield Insurance - Are You Covered For A Cracked Windshield?

May 10, 2021

Does Insurance Include Windshield Damage?

Vehicle with cracked windowshield

Do you have windshield insurance? Are you covered for windshield chips, cracks, and damage?

Drivers don’t give it much thought until you’re driving down the road and BANG! A stone flew up and hit your windshield. You immediately see a stone chip or crack.

It won’t take long before that little chip or line spreads across your windshield, that could compromise safety.

After you recover from being startled, you start to consider your options. Do you leave the chip alone and hope it doesn’t spread? Do you file for a repair or replacement? Or is it better to pay for the repairs out of pocket?

What Is Windshield Insurance?

Windshield repair insurance is an add-on that is commonly included in comprehensive. It includes the cost to repair or replace your windshield should it get damaged, chipped or cracked from stones and other debris coming into contact with it. If you do not have the additional protection, repairs may only be covered if it is caused by another vehicle or a falling object.

Is Windshield Replacement Covered Under Insurance?

In most cases, auto glass repair and damaged windshields are not included with basic plans, but are included with additional policies. You’ll be covered if a rock or other object hits your windshield while driving. If you have complete glass protection, you may not be required to pay the deductible. Your provider may also offer a add-on called full glass coverage

Avoid delaying the repair. Cracked windshields can reduce your visibility and can be a safety hazard. Your vehicle's structural integrity could be compromised and provide less protection if you are involved in an accident.

Does Insurance Cover A Windshield Chip?

Full windshield being replaced

You can fix a chip in your windshield without needing to pay the deductible. However, getting a ding or chip repaired is more often than not more affordable - even if it does not include it. Repairs can cost between $50-$300.

Cost Depends On The Size Of The Chip And Your Vehicle

According to a 2019 Globe and Mail report mentions that 37% of cars were sold with ADAS (advanced driver assistance systems). Although these car safety features help with lane-keeping assistance, blind spot detection and adaptive cruise control, they could increase costs up beyond $1,000.

How To Get Your Windshield Replaced By Insurance

The first step is to contact your insurer and ask for their advice. They may suggest going to a specific supplier or repair professional. Small dents or chips can often be filed straight from specialty auto glass repair shops. On the other hand, if you require a full replacement, the answer will vary between each provider. Depending on the degree of damage and your car insurance, it will be submitted to your provider online or by phone call.

Is A Cracked Windshield Covered By Insurance?

It depends. If your windshield was cracked by a rock when you were driving and you have auto glass protection, then it will most likely be covered. If the it was cracked in another way, it may or may not be covered based on the circumstances of the damage.

Are Windshield Scratches Covered By Insurance?

Yes. If you have additional protection, scratches should be covered if they occurred due to flying stones or a negligent act (vandalism). Check your documents to verify.

Is A Pitted Windshield Covered?

Vehicle with a large cracked windowshield

Pitting is the natural ageing of a windshield. It’s caused by sand, dust, and other debris coming into contact with it over an extended period of time. Pitting causes small craters to form, which can distort the sunlight and impact your vision.

Since pitting is considered wear and tear, it’s not commonly covered by your insurer. Speak with an advisor to get clarification if pitting would be included.

Should I Use Insurance To Replace My Windshield?

Windshield damage is one of the most common types of car insurance claims. Whether or not you should file depends on the type of damage. A simple repair costs significantly less than a whole replacement.

Always compare the pros and cons. If you have the money to pay for the repairs out of pocket, it may make sense to avoid the time and effort of filing. You’ll also keep your record claims-free. Even though the claim may not impact your rates now, if you already have some or need to file in the future, it could cause an increase.

Does Windshield Replacement Affect Insurance Costs?

A windshield replacement will not result in a drastic increase, but it may go up by a few dollars per month. If you have a claims free record, one windshield claim every 5 to 7 years will not lead to a high increase.

However, if you have multiple in a short period of time, you could see a spike in your costs. Having your insurer pay for the replacement does add a claim to your record, which could indirectly affect costs if you needed to file a more significant amount in the future.


Windshield Insurance FAQs

The amount it will cost to replace your windshield will depend on several factor – the severity of the damage, vehicle type, who you get to replace it, and if you choose a new or used windshield. It’s worthwhile to compare repairs for auto glass from various to find the best price.

Yes. Typically damage caused by a rock hitting your windshield is covered under additional policies, not basic protection.

The cost to install a new windshield can vary based on your vehicle type. It can range from a few hundred dollars to more than $1,000. Visit an auto glass specialist in your area to get a quote for your vehicle make and model.

Yes, if your windshield is required to be replaced because of damage from a rock or other debris, it will be covered under additional types of policies. Check your agreement or speak with an advisor to verify what is covered.

Repair Or Replace? Make Sure You Are Covered

No matter what you decide to do to fix your windshield, make sure you have proper protection in place for your next automobile problem. Contact us today to find a plan that works for you.

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