Does Your Auto Insurance Cover a Broken Windshield?

How to Verify Windshield Coverage in Your Policy

Your first step is to locate the section of your policy that addresses "glass" or "windshield" coverage. Many insurers include this under "personal property" or "replacement coverage." If the policy states that glass is covered "without deductible," you can repair or replace a cracked or shattered windshield without paying out of pocket.

Types of Windshield Coverage

There are two common coverage types:

• Replacement Coverage – Pays for a new windshield when the existing one is cracked, shattered, or severely damaged. Typically, no deductible applies.
• Repair Coverage – Covers the cost to repair minor chips or cracks. This may have a small deductible or be fully covered, depending on the insurer.

When Deductibles Apply

If your policy lists a deductible for glass, you will pay that amount before the insurer covers the rest. Some insurers offer a "glass protection" rider that eliminates the deductible for windshield repairs, but it may increase the premium.

Checking Your Coverage Online

Most insurers provide an online portal or mobile app where you can view a summary of covered items. Look for a section labeled "Glass Coverage" or "Windshield Protection." If you cannot find it, contact your agent or customer service for clarification.

Filing a Claim for a Broken Windshield

To file a claim, follow these steps:

Common Misconceptions

Many drivers assume all auto insurance automatically covers windshields, but that is not true. The coverage is often part of a separate "glass" policy or an optional rider. Additionally, if the damage is caused by a collision or accident, it may be covered under collision or comprehensive, not under a dedicated glass rider.