And people often wonder if their car insurance will pay to repair a windshield crack. The answer is, it depends on the type of coverage you have and the circumstances of the crack. In most cases, car insurance will cover the cost of repairing or replacing a cracked windshield, but there are some factors to consider.
If you have comprehensive coverage on your car insurance policy, then the answer is likely yes. Comprehensive coverage typically covers damage to your vehicle that is not caused by a collision, such as hail damage, vandalism, or a cracked windshield. If your windshield is cracked due to a covered peril, then your insurance should pay to repair or replace it.
However, it’s important to note that some insurance policies have a deductible for comprehensive coverage. This means that you will have to pay a certain amount out of pocket before your insurance kicks in to cover the rest. The amount of the deductible can vary, so it’s important to check your policy to see what applies to you.
Another factor to consider is the size and location of the windshield crack. In some cases, a small crack that is not in the driver’s line of sight may be considered a minor repair and may not be covered by insurance. However, if the crack is large or obstructs the driver’s view, then it is considered a safety hazard and most insurance companies will cover the cost of repair or replacement.
If you have liability coverage only, then your insurance will not cover the cost of repairing a cracked windshield. Liability coverage only pays for damage you cause to other people or their property in an accident. It does not cover damage to your own vehicle.
If you’re not sure what type of coverage you have or if you’re unsure if your insurance will cover the cost of repairing a cracked windshield, it’s best to contact your insurance company to find out. They can help you understand your coverage and what your options are for repairing or replacing your windshield.
Ultimately, it’s important to keep your windshield in good condition for your safety and the safety of others on the road. If you have a cracked windshield, don’t wait to have it repaired. Contact your insurance company or a reputable auto glass repair shop to get it fixed as soon as possible. Remember, a small crack can quickly turn into a larger problem if left untreated, so it’s best to address it promptly.