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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:
- Vandalism
- 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.
People also ask
Do I have to pay a deductible for windshield replacement?
Yes, you have to pay a deductible for windshield replacement if you use your comprehensive or collision coverage. Insurance companies often waive deductibles for minor windshield repairs, however, and some states even require insurers to waive the deductible for both windshield replacements and repairs.
States With Reduced Deductibles for Windshield Replacement
In Florida, Kentucky, and South Carolina, insurers cannot charge a deductible for repairing or replacing your windshield, so windshield repair/replacement is free...
read full answerHow can I use Progressive windshield replacement?
Progressive windshield replacement is available if you have full coverage. Windshields are commonly damaged by flying or falling objects, acts of vandalism, and severe weather—all of which are covered by comprehensive insurance. If your windshield was damaged in an accident, you will either file a collision claim with your insurer or a liability claim with the other driver’s insurance company. It depends on who was at fault. If the accident was caused by another driver, their liability insurance...
read full answerIs comprehensive insurance worth it?
Comprehensive insurance is worth it if the premium is a small percentage of the car’s value. Comprehensive insurance might also be worth it if the policyholder cannot afford to replace the vehicle without comprehensive coverage, or if the car is driven or parked in a particularly risky area.
Although comprehensive insurance is not mandatory in any state, dealerships and lenders frequently require comprehensive insurance, along with collision coverage, on leased or financed cars. In...
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