When does insurance cover windshield replacement?
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.