Does Insurance Cover Cracked Windshield?

[DakotaAnn]

To determine whether your insurance covers the cracked windshield, first check if you have purchased glass insurance and whether it includes the deductible waiver. If you have glass insurance, you can call your insurance company to file a claim. If you don't have glass insurance, the damage will be covered only if it's not limited to the windshield alone in the same accident. Below are the details regarding insurance coverage for car windshields: 1. If the damage is caused by a car accident and it's the other party's fault, their compulsory traffic insurance and third-party liability insurance will cover the cost. 2. If the accident is your fault, as long as you have vehicle damage insurance, you can use it to cover the cost of your windshield. 3. For damages not caused by a car accident, only those with glass insurance will be eligible for compensation. 4. If the windshield is damaged by someone else, you can directly seek compensation from the responsible party.

[VonJuliette]

I've been driving this car for ten years, and the windshield has cracked twice, both times from small stones. The first time it happened, I knew whether insurance would cover it depends on the type, like comprehensive coverage generally includes glass damage. My policy was full coverage, so after contacting the insurance company, they sent someone to take photos and assess the damage, confirming it was accidental. I paid the $300 deductible, and they covered the full cost of replacing the windshield. That was much more cost-effective than paying thousands out of pocket. Other drivers who only have liability insurance might not get coverage, so it's important to regularly check policy details. From a safety perspective, windshield cracks can spread and obstruct vision, especially at high speeds, which is very dangerous—don't delay repairs. When buying insurance, it's wise to choose good coverage and not skimp on premiums to avoid bigger costs later.

[VanTeagan]

As a new driver, I was quite panicked when my car's windshield suddenly cracked last year. A friend told me whether insurance covers it depends on the policy type. I had opted for basic coverage to save money, only to find out it didn't include glass damage, so I had to pay over 2,000 RMB out of pocket for repairs. After researching, I learned comprehensive or standalone glass add-ons usually cover such incidents. The lesson is: don't just choose the cheapest insurance for a new car—compare options. Adding glass coverage costs just tens of RMB more monthly but brings peace of mind. Highway driving increases rock chip risks, and unrepaired glass compromises safety, so it's crucial to prioritize.

[VanCourtney]

Whether windshield crack damage is covered by insurance depends on the type of insurance and policy terms. Comprehensive coverage typically includes accidental damage like rock chips; liability insurance only covers damage to others' vehicles or injuries, excluding your own windshield. The process is simple: first, check your policy to confirm if glass coverage is included; second, take photos to document the damage details; third, contact your insurance company to verify and process the claim; fourth, if there's a deductible, be prepared to pay a portion yourself. It's recommended to act promptly, as an unrepaired windshield crack can worsen and pose a safety risk while driving.