Your windshield can get damaged on the road without even being in an accident. Flying objects can hit your car and cause a small crack or chip. Although you may still be able to drive, these small breaks should be fixed quickly to prevent the crack from spreading. Some auto insurance policies cover windshield cracks, these policies are often very detailed about what they cover and what isn’t.
Do You Have Insurance Coverage For Windshield Cracks?
Comprehensive insurance coverage is the part of the policy that covers damage to your car not by a collision. This includes damages caused by weather, theft or vandalism. It also includes falling-objects. Comprehensive coverage must be added to your policy before the damage occurs for it to pay for windshield damage. You’ll have a deductible that you’ll need to meet before your insurance pays anything.
You can also get an optional insurance policy called full glass coverage. Generally, this type of coverage pays the deductible for repairs or replacement. However, you have to add this coverage to your insurance policy to have it when you need it.
Talk to Your Insurance Agent
If you’re wondering whether you have insurance that pays for windshield damage, the best thing is to talk to your insurance agent about your policy. Learn what is covered and what isn’t.