In some cases, deductibles don't apply. Most auto insurers cover windshield replacement if you have comprehensive coverage on your policy. In some cases, deductibles do not apply for windshield repairs. However, if you need to completely replace your windshield, you are likely to be responsible for paying your comprehensive deductible, unless you live in a “zero deductible” status.
Car insurance covers windshield damage and replacement in most cases through comprehensive insurance Things to Remember You may need to replace your windshield if the damage changes shape or obstructs the driver's view. To file a claim, you will need comprehensive auto insurance with optional glass coverage Texas law allows you to request a zero-deductible policy from your insurance company. If your windshield breaks after you hit another vehicle or hit a pole, collision insurance will likely cover windshield damage minus the amount of the deductible you chose for this coverage. Liability insurance only covers windshield replacement if someone else caused damage to your car.
We had a customer who recently replaced his windshield and noticed a fog spot developing in the upper corner of the glass. Similar to comprehensive coverage, drivers generally have to pay a deductible for collision claims, unless their insurance has a windshield replacement program with no deductible. Just as windshield repair and replacement costs vary by make and model of a vehicle, so does the amount of coverage your vehicle will receive, but reputable stores, such as Safelite, work with most insurance companies and can help you determine how much, if any, the out-of-pocket costs. Most insurance companies will only pay for windshield replacement up to the cost of an aftermarket glass.
In addition, federal regulations say that the windshield must be free from damage in an area that extends upward from the top of the steering wheel to two inches below the edge of the windshield at the top and one inch from the sides. The good news is that replacing or repairing your windshield is likely covered by the comprehensive coverage already in your car insurance policy. Not only does it cost more to replace the windshield, but the price also varies depending on the size and style of your vehicle. As you can see, insurance coverage for windshield repair and replacement depends largely on your insurance policy and the state in which you live.
Even with comprehensive or collision coverage, you may have to pay for your windshield repair or replacement. If your windshield cracks during an accident that was your fault, your insurance will repair or replace it if you have collision coverage. And if you have a no-deductible glass coverage option, you won't pay any additional costs to replace your windshield. If you need to replace your windshield and want to file a claim with your insurance company, you must have comprehensive coverage.