A cracked or damaged windshield isn't something you want to deal with, but potential damage is an inevitable part of driving. While windshield repairs or replacements can be expensive, automobile insurance plans may be able to help offset the costs. Read on to learn how you can use your insurance coverage to take care of windshield damage, so you can get back on the road safely.

What Are the Different Types of Windshield Coverage?



Most standard auto insurance policies include some coverage for windshield damage. This is important protection that can save you money in the event your windshield becomes cracked or chipped. According to Forbes, approximately 30% of auto insurance claims are due to broken windshields and auto glass repairs. The specifics will vary between insurance providers, but there are generally two main types of coverage to understand: comprehensive coverage and full glass coverage.

Comprehensive coverage is for damage from non-collision-related events like rocks, weather, vandalism, and theft. If you have comprehensive insurance, cracks and chips would likely be covered. Full glass coverage provides protection for any type of damage, including cracks and chips, that may result in needing to have your windshield completely replaced.

What Do I Do When My Windshield Has Been Damaged?

Contact the provider of your automobile insurance plans as soon as possible after your vehicle has received any damage to the windshield. Provide details on what happened and get the claims process started. Next, choose a repair shop approved by your insurer to avoid any reimbursement issues. Many insurance companies have preferred vendors to handle repairs. You may have to pay a deductible, depending on your coverage. Confirm any out-of-pocket costs with your insurer. Finally, schedule an appointment to have it repaired by the vendor. They will bill your insurance provider directly, so you don't have to pay upfront costs beyond your deductible.

Windshield damage is one of the most common auto insurance claims. Take the time to understand your current coverage, so you can use it effectively if you ever need windshield repairs or a replacement. With the right protection, you can get your windshield fixed and keep your out-of-pocket costs to a minimum. If you're looking for automobile insurance plans that will fully cover you, reach out to us today at Insurance World to find the right plan for you.