AAA Auto Insurance and Cracked Windshield Coverage

Does AAA Auto Insurance Cover Cracked Windshields?

AAA auto insurance typically does not cover a cracked windshield as a standard damage exclusion. Most policies list windshields under "other damage" or "non-collision" items that are excluded unless a separate glass coverage rider is added.

Standard Policy Exclusions

Collision and comprehensive coverage are the two main types of auto insurance. Comprehensive generally covers theft, vandalism, and natural disasters but still excludes windshields unless specifically included. The standard "other damage" clause often lists windshields as non‑covered.

Adding a Glass Coverage Rider

AAA offers a glass coverage add‑on that covers windshields, side glass, and sometimes rear glass. This rider usually carries a small monthly surcharge and limits the number of repairs per year (often one or two). If you have this rider, a cracked windshield can be repaired or replaced without a deductible.

Deductibles and Limits

When a rider is in place, the deductible may be lower than the base policy, sometimes as low as $0. If the rider is not active, filing a claim for a windshield crack would result in a denied claim and no payment. Some states allow a "glass replacement" exception under comprehensive coverage, but this varies.

How to File a Claim

1. Verify your policy for glass coverage. 2. Contact AAA Customer Service or log in to the online portal. 3. Submit a claim with photos of the crack. 4. AAA will arrange a repair or replacement appointment at an approved shop. 5. Pay any applicable deductible or rider fee.

Preventative Tips

• Keep windshield wipers in good condition to reduce impact damage. • Avoid driving on gravel or uneven roads that can chip glass. • Use a windshield protector film for high‑risk environments.

Bottom Line

Standard AAA auto insurance does not cover cracked windshields. Adding a glass coverage rider is the most reliable way to protect your windshield and avoid out‑of‑pocket costs.