Insurance Simplified: Does Auto Insurance Cover a Cracked Windshield?

​​A cracked windshield can happen when you least expect it—a rock kicks up on the highway, debris falls from a truck, or sudden temperature changes cause a small chip to spread.

​So, does your auto insurance cover it? Let’s break it down. 

Will Insurance Pay for Windshield Damage?

✅ Yes, if you have comprehensive coverage. This protects against damage that isn’t caused by a collision—like flying debris, vandalism, or storm damage. If you only have liability coverage, windshield repairs won’t be covered.

Does It Matter If It’s Just a Crack?
● Small Crack or Chip? Many insurance companies offer free repairs if the damage is minor. This helps prevent the crack from spreading, saving you from a full replacement.

● Full Windshield Replacement? If the damage is too severe to repair, your comprehensive deductible will apply before insurance covers the cost. Some carriers even have a glass coverage option that can be added on to your policy to cover windshields without a deductible, reach out to your agent to see if this is option for your policy if interested.

What Should You Do If Your Windshield Is Cracked?

1️⃣Check your policy – Do you have comprehensive coverage? Does your insurer cover small repairs for free?
2️⃣Call your insurance agent – Ask about repair or replacement options and whether your deductible applies.
3️⃣Use a trusted repair shop – Some insurance companies have preferred vendors that can handle the claim directly.

Bottom Line If you have comprehensive coverage, your cracked windshield is likely covered—either through free repairs for minor damage or a replacement subject to your deductible for larger cracks. 

Contact Corin Insurance today and let’s simplify your policy together. 🚗💨 

-Madalyn Sanford