Windshield and auto glass damage: insurance and deductible

Auto glass damage (cracked or shattered windshield, broken side or rear window) may be covered by comprehensive coverage or a standalone glass rider in your auto insurance policy. Here are the key points: deductibles, steps and alternatives.

Glass coverage

Comprehensive coverage typically covers windshield and glass replacement or repair (depending on policy). Without it, costs are yours. Check your policy to see if glass is covered and which panes qualify (windshield only, side windows, sunroof, etc.). Some insurers offer a separate glass-only endorsement.

Deductible

A deductible often applies: the amount you pay out of pocket (e.g. $100–500 depending on insurer and vehicle). Many policies waive the deductible for a windshield chip repair (as opposed to full replacement) when you use an approved shop — this incentivizes repair over full replacement. A glass claim may have no impact on your rates depending on your policy (check terms).

Steps

Notify your insurer (within the required timeframe). Get a quote (auto glass shop or insurer's preferred network). Follow your insurer's instructions (repair or replace, deductible). Keep proof of service. My Auto Check-up helps you maintain a complete record of your vehicle's maintenance.