Does Insurance Cover Windshield Replacement? It Depends

Am I covered for windshield insurance claims?

Good news: generally, your policy will cover chips and cracks in your windshield. If your auto insurance policy includes comprehensive coverage, your coverage should be air-tight. Comprehensive insurance covers damage to your vehicle that isn’t caused by a collision, and includes coverage for falling or flying objects—especially stones.

If your vehicle’s insurance policy does not include comprehensive coverage, then windshield damage may be your insurer’s prerogative. Our experience has been that most insurers in Canada will honour this kind of claim on good faith, as long as it doesn’t happen often.

Windshield replacements may only cost between $160-$300 for older cars, but replacing one on a newer car could set you back as much as $2,500 on newer cars. Incorporating all of the technical calibrations for sensors and safety cameras can become expensive, both for replacement parts and for the labour needed to install them. Fancy cars come with higher repair costs in general.


3. GEICO Glass Windshield Insurance Claims

The following guide to the glass claim process will help you understand how GEICO can help when your vehicle’s glass is damaged. What should I do if my vehicle (7)

1 answerYes, windshield repair claims affect insurance in most states, Does Filing an Auto Glass Repair Claim Affect Your Insurance?(8)

Will my insurance premium increase because of the windshield replacement claim?

Good question. We answered, “Does insurance cover windshield replacement?”, what we have to ask now is, “Should I use insurance to replace the windshield?” and I will be completely Frank with you even though I’m Scott. A windshield replacement is considered a no-fault incident in the whole process, which means that it won’t increase your premiums unless you constantly go around breaking your front window. 

That’s all well and good, but what exactly is a no-fault incident? As far as the insurance company is concerned, there are two types of incidents, one where you are not at fault and one where you are. I bet you can guess which is no-fault. The latter is called at-fault. So unless you have a lot of no-fault incidents, your rates won’t go up, but if you have a few at-fault incidents and then get into a no-fault one, the insurance company might increase your premiums. It’s all a bit confusing. But even if you have been in a lot of accidents and your rates do go up, there are ways you can reduce them.

Probably the best and most straightforward way to lower your premiums is to raise your deductible, remember higher deductible equals lower rates. But only do this if you can cover the expense when the time comes to file a claim. 

Another way is to bundle your policies. Basically, like any other company, insurers love loyalty. If you buy your home, life, or condo insurance through the same provider as your auto insurance, you could get a lower rate.

The last way you can get your premiums down is to get a coupon. There is a surprising number of insurance discounts that can significantly lower your rates. The most common is taking a defensive driving course, staying claims-free, having certain safety features installed in your car, having multiple vehicles insured, and simply being a good student. So study hard, kids, and you might get lower premiums on your auto insurance.

So your insurance premium won’t increase if you get a windshield replacement, but how do you file a claim?

How to know if my windshield needs to be repaired or replaced?

This is one of the most important questions that comes to our mind after checking the damage caused to our windshield. You will have to consider different factors like the impact of the damage on the visibility of the driver, the dimension of the damage, and the threat imposed on driving ability.

If the damage is caused on the other side of the windshield outside the visibility area of the driver then you can get it repaired. But if the damage is huge and can cause distraction then replacement is the best option.

Below are some situations where replacement is better than repair:

  • There are several other small repairs on the windshield
  • The size of the damage is larger than 6 inches
  • The damage is directly in the line of the driver’s vision
  • The damage has caused a puncture on the windshield and you can feel the wind coming into the car while driving

What to do if You do Not Have Comprehensive Insurance?

First, it’s important to remember that Comprehensive Insurance is one part of your whole car insurance package. Think of it like a bowl of soup, and Comprehensive Insurance is the chicken bits that add flavor. Of course, you can choose not to have the chicken, but then the soup won’t be as good.

Another essential thing to remember is that you can’t buy Comprehensive Insurance without Collision Coverage. The two are inseparable. If you don’t already have this type in your package, you can ask your agent about it. Generally, it might cost you around $200 a month. 

But before you jump the gun, you should ask yourself. Is it worth it? The way Comprehensive Insurance works is that it becomes less valuable as your car depreciates, and it will never pay out more than the vehicle’s value minus your deductible. If you have a $2,000 car and your comprehensive deductible is also $2,000, your insurance won’t payout. So whether or not you need Comprehensive Insurance depends on what kind of car you are driving and its various parts.

But does insurance cover windshield replacement? Yes, it does, most of the time, although you may have to pay a deductible. But what is that?

9. How Do Glass and Windshield Insurance Claims Work in

Broken glass is generally handled under your Comprehensive Physical Damage Coverage, which is usually subject to a deductible.(27)… Does every car insurance cover windshield damage? If your insurance company increases your premium after windshield claim then switch to (28)

What is auto glass coverage?

Auto glass coverage provides coverage for all the glasses in your vehicle including the windows and glass roof. You can apply for the claim of damages caused to any part of the car that is made from glass.

3. Contact a local AGRSS repair shop

Unlike other states, drivers in Minnesota have the right to take their vehicles to the repair garage of their choice. The insurance company cannot provide a limited list or use coercion to force a customer to follow the insurance company’s directive.

However, the insurance company may require you to get one or more estimates, and if your shop is not the low bidder, you may be responsible for paying the difference. If your insurance company requires more than two estimates, it must pay for the additional estimates.

For a job done right, contact a repair shop that is a Registered Member Company with the Auto Glass Safety Council (AGSC formerly AGRSS) and employs AGSC Certified Technicians. These technicians have knowledge in all types of auto glass replacement, vehicle occupant safety, adhesive systems, custom-cut laminated glass parts, and safety procedures. 

These qualified shops may not offer the lowest price for their services, but they will provide better work. Keep in mind that you get what you pay for.

Registered Member Companies meet the AGRSS Standard and are committed to safety and quality at the highest level. An Auto Glass Safety Council AGRSS membership includes random third-party safety audits, continuing education, and higher quality work. These companies abide by federal, state, and local legal requirements and promptly fill contractual obligations.

Does auto insurance cover rock chips?

A rock chip happens when a small rock or object nicks your windshield and causes a small chip in the glass. Your comprehensive coverage should cover this type of damage. Since rock chips can spread into larger cracks, it’s best to get them fixed as soon as possible to avoid further damage to your glass or windshield.

Will Filing a Glass Claim Raise my Insurance Rates?

Whether a glass claim can affect your future car insurance rates depends on your insurance company. Generally, a glass claim to repair or replace your windshield shouldn’t have much of an impact (if any) on your car insurance rates. But if you have multiple glass claims over a short period of time, it could impact your rates at renewal time. For example, if you have more than three glass claims over a three year period.

A history with multiple car insurance claims could also catch up with you if you want to switch insurance companies. That’s because insurers report claims to a database that other insurance companies review when you apply for a policy. Generally, insurers see multiple claims as an increased risk, which could translate to higher premiums.

But the good news is that you can shop around and compare auto insurance quotes no matter what your claims track record is.

Related: Cheapest Car Insurance

Does my insurance policy cover broken glass?

Broken glass is generally handled under your Comprehensive Physical Damage Coverage, which is usually subject to a deductible. Log into your auto insurance policy and see if you have Comprehensive Physical Damage Coverage.

What should I do if my insurance doesn’t cover glass damage?

If your car insurance doesn’t cover windshield replacement or glass damage, you should still get the repairs done. Many states have laws against driving with a cracked windshield. Plus, you’re putting yourself and your passengers at greater risk. Not only is it harder to see out of a cracked windshield, but it’s also more likely to shatter if something else hits it.

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Do You Have to Pay a Deductible for a Windshield Claim?

Comprehensive insurance typically includes a deductible, which is the amount you’ll pay out-of-pocket if you file a claim. Common deductible amounts are often between $250 to $1,000. For example, if you have a $500 deductible and it costs $250 to replace your glass, the cost of replacement is less than your deductible amount, meaning you would have to pay for the replacement yourself.

Some insurance companies sell full glass coverage or “zero deductible” option for glass replacement, which is an option separate from your comprehensive deductible. 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 deductible (or more).

A few states have “zero deductible” mandates that say auto insurance companies cannot apply a deductible for comprehensive insurance glass claims. For example, Florida statute 627.7288 says that a deductible for comprehensive coverage does not apply to motor vehicle glass.


If you have any questions regarding our vehicle’s repair needs? Would you like a free estimate? Please don’t hesitate to call us today at 651.789.1111 or Email Us and we will be happy to assist you.