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Oh, yeah. There’s no mistaking it; you and everyone else in your car heard the sharp report of that little rock. You inspect the impact site, hoping to find nothing of substance. But there it is. A crack in your windshield you will have to repair before it worsens. So, will your car insurance policy pay for it? Or are you simply out of luck?

Your comprehensive car insurance policy may pay to repair a crack in your windshield– as long as you have the right policy

Fortunately, that nasty little chip in your windshield might be covered by your existing car insurance policy. That’s a good thing, too. Your seemingly insignificant windshield chip can spread, leading to substantial cracks and structurally compromising damage.

However, you might be in for something of a disappointment after a call with your insurance provider. See, your provider may cover the chip or crack in your windshield as long as you have a comprehensive car insurance policy, per U.S. News. Liability insurance policyholders shouldn’t expect to have their chipped, cracked, or broken windshield covered by their level of coverage. 

Still, don’t expect your provider to send a technician or refer you to a shop sans payment. You’ll likely still have to pay a deductible for your windshield service. That said, if your repair is sufficiently minor, you might be responsible for the cost. 

According to Forbes, if your deductible exceeds the cost of the repairs, your provider won’t likely pay for it. For instance, if your windshield repair amounts to $500, and your deductible is pricier, you’ll probably pay for the damage. 

Moreover, if you’re a bit of a “better safe than sorry” type, you may have auto glass insurance coverage. As it sounds, your auto glass coverage is exactly the sort of thing that would take care of your windshield after a chip or crack. 

Better yet, your auto glass policy might cover the repair without a substantial deductible. In fact, it might require no extra payment at all. Happy days, indeed. Now, if only we could get trucks to stop kicking up junk.

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Staff Writer

Erik Sherman

Erik Sherman joined the MotorBiscuit team as an Autos Writer in 2022. An admitted petrolhead and an avid motorcyclist, Erik has owned everything from classic cars to motorcycles to modern driver’s cars. Erik also has extensive experience with military and emergency vehicles, ranging from ambulances and fire engines to MRAPs and M-ATVs. Erik is an eager car and motorcycle reviewer with experience covering everything from sports cars to pontoon boats and jet skis.

Erik holds a Bachelor’s Degree in International Relations (IRG) from the University of Texas at Austin and has studied Chinese, Energy, and European Politics at the University of Glasgow in Scotland. Erik’s background is unorthodox; he is a United States Marine Corps (USMC) combat veteran, water survival practitioner, and a former firefighter/EMT. Additionally, Erik is a regular volunteer and former instructor with the American Red Cross (ARC).