Auto glass coverage you can trust

Windshield damage is usually covered if you have Other Than Collision coverage. If your windshield can be repaired, we’ll waive any applicable deductible. If you need to replace your entire windshield, your deductible will apply. Glass coverage may vary by state.

Our partner Safelite provides glass repair and replacement services with online scheduling and an automatic exchange of your information via Amica. You can always choose your own glass repair shop. If you need help finding one in your area, we can provide recommendations. Our Glass Program Manager offers qualified glass shops that warranty the replacement of damaged glass for as long as you own the car.

Depending on the coverage you carry on your auto policy, windshield replacement may be covered. Let’s say you’re driving along, and a rock flies up and cracks your windshield and a replacement is needed. There are two types of glass coverage that can help you cover your car glass repair. 

Comprehensive, or “other than collision,” is a type of auto insurance coverage that includes glass coverage. Any deductible you have for this coverage will apply. With comprehensive coverage through Amica, if a glass repair is needed, such as filling a chip, your deductible might be able to be waived. 

Full glass coverage, often added to the auto policy as an endorsement, can also cover a windshield replacement in this instance, and you may not need to pay a deductible. 

Comparing the two, full glass coverage often provides more coverage than comprehensive coverage since there’s typically no deductible. For example, if you have a $500 deductible on your comprehensive coverage for the scenario stated above, you would have to pay the $500 deductible, then insurance would pay the remainder of the loss. So, if your new windshield is $800, you would pay for the first $500 out of pocket and your insurance company would pay for the remaining $300. Both types of coverage may apply to other windows on your car, not just the front windshield. 

Collision coverage can also cover windshield replacement; however, a collision would have to have occurred. So, in the example described above, collision coverage wouldn’t provide any coverage. 

Simply put, if you carry comprehensive and/or full glass coverage, you should be covered for a cracked windshield. If you don’t have full glass coverage, this could be covered under comprehensive coverage, after you pay the deductible. If you do have a full glass coverage endorsement, you may not need to pay a deductible. The exact circumstances on how much insurance would cover your car glass repair depends on which coverage(s) you carry and the extent of the damage.

Whether or not a glass claim will impact your premium depends on your state and the amount the insurer pays out on the claim. Some states allow for glass claims to impact your premium over a certain dollar amount, and others don’t. If your insurance company offers a claim-free discount, a glass claim might not disqualify you from the discount.

If your windshield is damaged, you may be able to repair it if the crack or chip is: 
- Less than six inches long 
- Smaller than a quarter in diameter 
- Not located in the driver's line of vision or edge of the windshield 

Repairs are made by injecting a heated resin into the crack or hole. These repairs may be made at no cost to you, if your policy includes comprehensive coverage. If you aren't satisfied with the repair, or if the crack or chip is too large to repair, you can opt to replace the windshield. However, your deductible may apply.