Does Car Insurance Cover the Cost of Replacing a Windshield?

Car insurance customers with comprehensive coverage can usually have the cost of a replacement windshield covered under their policies, notes Comprehensive coverage typically covers damages caused by something other than a collision with another vehicle.

Comprehensive auto insurance coverage is a type of premium and optional coverage, notes Standard liability policies usually do not cover the cost of replacing a windshield. However, under comprehensive coverage, broke, cracked and chipped windshields caused by falling branches, gravels on the roadway, vandalism and collision with animals is usually covered.

When determining whether to file a claim for a broken windshield under comprehensive coverage, it is important for a driver to consider his deductible. If the cost of the replacement is less than the deductible, it may be smart to just pay the costs out of pocket. The company may only cover the amount that is not met by the deductible. For instance, if the deductible is $250, and the repair is $300, the insurance will only pay $50 toward the repair. However, some insurance companies offer glass replacement without the need to factor in the deductible and without any affect on the premium rate charged for the insurance in the future.