Windshield crack, will my car insurance cover it?

Imagine driving down the road in Coppell or DFW, only for the vehicle in front of you to kick up a small pebble into your windshield. If you’re lucky, nothing will happen and you would have dodged a bullet. Otherwise, a crack might form then and there or the damage may become visible the next day.

A cracked windshield not only represents a rather unattractive flaw, but it also represents a safety hazard that has to be taken care of as soon as possible. If not, the crack can spread across the windshield and become large enough that the entire glass has to be replaced. It’s always a good idea to fix cracks sooner rather than later.

Will My Car Insurance Cover This?

Windshield cracks are usually covered under comprehensive car insurance coverage. In most cases, you’ll have to pay the stated deductible for your policy before the insurer will step in and handle the remainder. This may prevent your insurer from stepping in if you have a high deductible ($1,000 or more), but you’ll most likely benefit if you have a low deductible ($100-$500).

Some states offer zero-deductible windshield replacements. Unfortunately, Texas is not one of those states, but you may be able to have the costs of a windshield replacement taken care of by your insurer if the repair fails to take hold.

Keep in mind that liability insurance won’t be able to cover the costs of repairing your cracked windshield. On the other hand, it will cover such damages to other vehicles affected by your negligence. For more information about cracks and other damages covered by your insurance policy, it’s best to talk to your independent agent. Simply give us a call and we can help you along the process of fixing your windshield quickly and economically.