Does Car Insurance Cover A Cracked Windshield?

Cracked windshields are one of the most common auto issues drivers face. Whether it's from flying debris, temperature stress, or a collision, a damaged windshield can impair visibility and safety. But does car insurance actually cover the repair or replacement?

Here's what drivers should know about how insurance handles cracked windshields, what coverage to look for, and tips to get it fixed quickly.

When Is a Cracked Windshield Covered by Insurance?

A cracked windshield may be covered under your policy depending on the cause and what coverage you carry:

• Road Debris or Rocks: Covered under most comprehensive policies.
• Vandalism or Theft: May be included if the damage results from crime or attempted break-in.
• Weather Events: Hail, fallen branches, or ice damage is typically covered.
• Accidents: Collision coverage may apply—usually only if the windshield was damaged during a covered crash.

Not Covered: aging, poor installation, or wear-and-tear—those are considered maintenance issues, not accidental events.

⚡ Always check your policy details. Coverage varies by provider, deductible, and local laws.

Should You Repair or Replace a Cracked Windshield?

• Small chips or cracks (under 6 inches): Often repairable. Many insurers waive the deductible for repairs.
• Larger cracks or damage in the driver's line of sight: Usually require full replacement.

Leaving damage unattended can lead to further spreading and structural risk. It's best to fix it promptly.

Will You Pay a Deductible?

That depends on:

• Whether your insurer waives the deductible for glass-only claims
• In some states (such as Florida, and South Carolina), insurers are required to offer glass repair without charging a deductible with Comprehensive coverage.
  • Source: Florida Statute § 627.7288 and S.C. Code § 38-77-280(B)
• Whether you're replacing the windshield or just repairing it

Some insurance policies offer full glass coverage, an optional add-on that may eliminate deductibles entirely for repairs or replacements.

How to File a Windshield Claim

1. Document the damage with photos
2. Contact your insurer to verify coverage
3. Choose a repair provider (your insurer may recommend a shop or allow your choice)
4. Schedule repair or replacement
5. Pay your deductible if required