Yes, comprehensive insurance covers windshield replacement as long as the windshield was damaged by something other than an accident. If the windshield was damaged in a crash, the cost of windshield replacement or repairs would fall under liability or collision coverage, depending on fault.
Comprehensive Insurance Covers Windshield Replacement Needed Due To:
- Hail or other weather events
- Animal damage
- Road debris
- Fallen trees
- Natural disasters
Windshield repairs are generally inexpensive, costing around $50 - $150 for standard cars. Full windshield replacement ranges from $100 to $400 for most vehicles and costs $1,000 or more for luxury cars.
But it’s worth noting that states and insurance companies vary on whether windshield repairs and replacement are subject to a deductible. If your deducible applies, windshield replacement/repairs might cost less than your deductible, meaning that you’ll have to pay out-of-pocket.
When Comprehensive Insurance Does Not Cover Windshield Replacement
If your windshield was damaged in an accident where the other driver was at fault, their liability insurance should pay for repairs or a replacement. On the other hand, if you have collision insurance, it will cover your windshield if you were at fault in an accident or if the fault was unclear.
In these cases, comprehensive insurance will not pay for windshield repairs or replacement. Similarly, if someone damages your windshield in a non-driving related incident, you may be able to file a claim for windshield replacement through the liability portion of their homeowners or renters insurance.
Ultimately, windshield repairs and replacement are essential to safe driving, since windshields are important to a driver’s visibility and a car’s structural strength. And even minor cracks can quickly expand and become expensive to repair, so it’s best to address windshield damage immediately.
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