But with glass repair or replacement claims, you may pay the deductible amount to the repair shop. Do You Have to Pay a Deductible for a Windshield Claim?Ĭomprehensive and collision insurance typically have a deductible, which is the amount subtracted from your insurance check for a claim. This option will cost you extra, but it could save you in the long run if you have a high deductible, such as $1,000 (or more). Some insurance companies sell full glass coverage or offer a “zero deductible” option for glass replacement, which is an option separate from your comprehensive deductible. Collision insuranceĬollision insurance is optional coverage that generally covers a cracked windshield if it was damaged during a crash.Ĭollision insurance costs an average of $788 a year, according to Forbes Advisor’s research of collision rates with a $500 deductible. Comprehensive insurance is an optional coverage but is usually required if you have a car loan.Ĭomprehensive insurance costs an average of $339 a year, according to Forbes Advisor’s analysis of comprehensive rates with a $500 deductible.
This insurance type covers damage from problems like theft, fire, flood, hail, falling objects (like a tree branch) and collisions with animals. The comprehensive insurance portion of your auto insurance policy typically covers windshield damage claims. Let’s take a look at three types of coverage that can help.
The type of car insurance that covers a damaged windshield can vary by how the damage occurred. Does Car Insurance Cover Windshield Damage? If you find not much of a difference between your deductible and the repairs, you may want to pay for the repairs yourself. It could be wise to get an estimate to see how much the repair would cost you. If you’re not in a zero-deductible state, check your car insurance policy’s deductible. If you live in a zero-deductible state, you won’t have a deductible for windshield repair or replacement, so you will likely want to get it repaired and have insurance cover the costs. Whether you should file a car insurance claim for a damaged windshield depends on the damage, your deductible and how much it would cost to repair the window. Should I Use Insurance to Replace My Windshield?
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