Does Insurance Cover Windshield Damage? Explained

Feb 16, 2019
Auto Glass Insurance Claims

Understanding Insurance Coverage for Windshield Damage

As a vehicle owner, windshield damage can be a common concern. Whether it's a crack from a flying stone or a chip from road debris, the cost of repairing or replacing a windshield can be significant. That's why understanding whether insurance covers windshield damage is crucial.

At The Power Window Doctors, we are here to provide you with comprehensive information and guidance on this topic. Let's dive into the details and help you understand what your insurance policy may cover.

Types of Insurance Coverage for Windshield Damage

Insurance coverage for windshield damage typically falls under two main categories: comprehensive coverage and specialized windshield repair coverage. Let's explore each of these in detail:

1. Comprehensive Coverage

Comprehensive coverage is an optional insurance add-on that covers various non-collision-related damages to your vehicle. This includes windshield damage caused by factors such as falling objects, vandalism, or severe weather conditions.

If you have comprehensive coverage, windshield damage is usually covered. However, it's important to check your specific policy details as deductible amounts, and coverage limits can vary.

2. Specialized Windshield Repair Coverage

Some insurance companies offer specialized windshield repair coverage as an add-on or separate policy. This coverage is designed specifically to address windshield damage and may have lower deductibles or even full coverage with no deductible.

If you often experience windshield damage or live in an area prone to such incidents, specialized windshield repair coverage could be a good option to consider. Contact your insurance provider to learn more about the availability and details of this coverage.

How to File an Insurance Claim for Windshield Damage

If you find yourself with a damaged windshield, it's essential to understand the steps involved in filing an insurance claim. Here's a general guideline to help you navigate through the process:

1. Assess the Damage

Start by evaluating the extent of the damage to your windshield. Note any cracks, chips, or other forms of damage. Remember to take photographs as evidence, as this may be required during the claim process.

2. Review Your Insurance Policy

Take the time to review your insurance policy to determine the coverage for windshield damage. Look for information on deductibles, coverage limits, and any specific requirements for filing a claim.

3. Contact Your Insurance Provider

Reach out to your insurance provider and inform them about the windshield damage. They will guide you through the claim process, providing the necessary forms and instructions.

4. File the Claim

Complete the required claim forms carefully, ensuring accurate and detailed information. Attach any supporting evidence, such as the photographs you took earlier. Submit the claim promptly to avoid any delays in processing.

5. Schedule Windshield Repair or Replacement

Once your claim is approved, the next step is to schedule windshield repair or replacement. Your insurance provider may have a list of approved repair shops or offer recommended providers. Choose a reputable service provider to ensure quality work.

Frequently Asked Questions

Q: Can I file a claim for a small chip on my windshield?

A: Depending on your insurance policy, coverage for minor damage like chips may vary. Review your policy or contact your insurance provider for specific details.

Q: Will filing a windshield damage claim increase my insurance premiums?

A: In most cases, filing a claim for windshield damage won't lead to an increase in your insurance premiums. However, it's best to check with your provider to confirm their policies.

Q: How long does it take to process an insurance claim for windshield damage?

A: The processing time for insurance claims can vary depending on various factors, including the complexity of the claim and your insurance provider's internal processes. It's advisable to reach out to your provider for an estimated timeline.

Q: Are there any alternatives to filing an insurance claim for windshield damage?

A: Yes, there are alternative options for windshield repair or replacement. You can opt to pay for the repairs out of pocket, especially if the cost is lower than your deductible.


Understanding whether insurance covers windshield damage is important for every vehicle owner. With the right insurance coverage and knowledge of the claim process, you can minimize the financial burden of windshield repairs or replacement.

At The Power Window Doctors, we hope this comprehensive guide has provided valuable insights into insurance coverage for windshield damage. Remember to review your policy, contact your insurance provider, and make informed decisions when it comes to protecting your vehicle and your wallet.

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Nov 12, 2023