The short answer
If you carry comprehensive coverage, a cracked windshield is usually covered, minus your deductible. Comprehensive pays for damage that isn't from a collision with another car, such as a rock kicked up on the highway, a falling branch, hail or vandalism.
If you carry only liability coverage, damage to your own car generally isn't covered. Liability pays for damage you cause to others.
How your deductible affects it
Your comprehensive deductible is the amount you pay before insurance pays. If a windshield replacement costs less than your deductible, filing a claim may not make sense.
Some carriers offer full glass coverage, an option that lowers or removes the deductible for glass. Some states also have rules about glass deductibles. Check your policy, because these options vary by carrier and state.
Repair or replace?
Small chips and short cracks can often be repaired with resin, which is quicker and cheaper than replacing the glass. Many insurers waive the deductible for repairs because they cost less than a replacement. Longer cracks, damage in the driver's line of sight, or cracks near the edge often mean the windshield needs to be replaced.
Fixing a chip quickly can keep it from spreading. Temperature changes and bumps can turn a small chip into a long crack.
Newer cars and safety features
Many newer cars have cameras and sensors mounted near the windshield for features like lane keeping and automatic braking. After a replacement, those systems may need to be recalibrated. That can add to the cost, so ask whether your coverage and the repair shop include it.
How to file a glass claim
- Take photos of the damage and note when and where it happened.
- Check your declarations page for comprehensive coverage and your deductible.
- Contact your insurer or start a claim through their app or website.
- Ask whether you can choose your own glass shop or should use one in their network.
- Keep the invoice and any recalibration records.
Will it raise my rate?
It can. Comprehensive claims, like glass damage, are often treated differently from at-fault accidents, but rules vary by carrier and state. Several claims in a short time can affect your premium. If the cost is close to your deductible, paying yourself may be simpler.
Review your coverage
A cracked windshield is a good reminder to check your auto policy. CapCenter's in-house insurance agency can compare quotes from multiple carriers, explain your comprehensive and glass options, and help you choose a deductible that fits your budget.