- What should I do when I have a broken windshield?
- When does car insurance cover windshield damage and replacement?
- How much does it cost to repair a broken windshield?
- Does insurance cover windshield damage caused by rock chips?
- Should I use my insurance to cover windshield replacement?
- Is it required by law to fix a cracked or broken windshield?
- FAQs
Car insurance policies can generally help cover the cost of windshield replacement, depending on the coverages you include on your policy—like comprehensive coverage.
Comprehensive coverage protects your car—including your windshield—against various damages that aren’t related to a collision with another car such as vandalism, hitting a deer or another animal, and natural disasters, like a hail storm.
Let’s break down all you need to know about windshield replacement and car insurance, so you can drive with confidence.
What should I do when I have a broken windshield?
If you find yourself with a broken windshield, the first step is to contact your car insurance company and file a claim right away, even before getting any repairs done. Comprehensive insurance usually covers windshield damage, especially if it’s caused by things like vandalism or falling tree branches. Filing a claim quickly can help you get approval faster, streamlining the repair process.
It’s also important to get your windshield repaired or replaced as soon as possible. Ignoring the damage can make it worse and even lead to dangerous distractions while driving. Promptly fixing the windshield helps keep you safe and maintains the structural integrity of your vehicle. By addressing the issue early, you can avoid more significant problems.
When does car insurance cover windshield damage and replacement?
There are lots of car insurance coverages that could come in handy if your car’s windshield or other glass needs to be repaired or replaced, depending on the cause.
Comprehensive coverage
Comprehensive coverage applies if the damage occurs due to incidents that aren’t a collision with another vehicle, such as:
- Falling objects
- Hail damage
- Accidents with animals
- Vandalism
- Other kinds of storm damage
Collision coverage
Collision coverage typically applies if the damage to your windshield is caused by a car accident. However, if your windshield is damaged in an accident, and the other driver is at fault, you can file against their insurance company to repair the damage.
Extended glass coverage
Did you know that Lemonade Car offers extended glass coverage, depending on your state? This coverage differs from comprehensive coverage, as it is specifically designed to provide protection for auto glass damage—like a windshield, or a sunroof— unrelated to a collision. The best part? Under this coverage, there is typically little to no deductible
How much does it cost to repair a broken windshield?
Repair services are relatively inexpensive, ranging from $50 to $150 where minor chips and cracks are on the lower end, and more extensive damage will be more expensive. A new windshield, however, can be much pricier. While some new windshields may cost around $100 to $400 for standard vehicles, replacement for vehicles with advanced driver assistance systems may run as high as $1,500 or more. These windshield replacements are more expensive because of radar technology that requires precise thickness and recalibration of the sensors to drive safely.
If your windshield is damaged, you might be tempted to buy a DIY windshield repair kit. While repairing a small chip might seem like an easy DIY repair, it can also easily go wrong, so prepare for that. The wrong amount of pressure can turn a chip into a large crack that would require the windshield to be replaced rather than repaired, if DIY turns into MIWY (Make It Worse Yourself).
Small chips can be repaired with an acrylic compound pretty easily, but if you decide to try a DIY repair make sure you do your research first. While acrylic will improve your visibility and make it less likely that the damage will get worse, it won’t completely get rid of the chip.
Does insurance cover windshield damage caused by rock chips?
Yes, insurance usually covers windshield damage caused by rocks, also known as rock chips, under comprehensive coverage. If you have comprehensive coverage, or extended glass coverage, in your auto insurance policy, you can file a claim to cover the repair or replacement costs after paying a deductible.
It is best to repair rock chips promptly. Small chips can quickly turn into larger cracks, compromising the structural integrity of your windshield and increasing repair costs if the damage gets worse. Additionally, driving with a damaged windshield can obstruct your view and create dangerous driving conditions.
Timely repairs help maintain your vehicle’s safety and will prevent more extensive damage down the line.
Should I use my insurance to cover windshield replacement?
Deciding whether to use your insurance for windshield replacement depends on your policy details and deductible. If you have comprehensive coverage with a low or zero deductible, filing a claim can significantly reduce your costs.
Don’t forget: When you include extended glass coverage on a Lemonade Car policy, you could replace your windshield, if it’s damaged in a covered incident, with little to no deductible.
Is it required by law to fix a cracked or broken windshield?
The legal requirement to fix a cracked or broken windshield varies by state, but many states have specific regulations that make driving with a damaged windshield illegal if the crack obstructs the driver’s view. For example, in Tennessee, all vehicles must have windshield wipers installed and in good working condition. If there is damage to your windshield which impacts your windshield wipers, you could face fines and traffic violations.
If your insurance doesn’t cover glass damage, you still need to address the situation to avoid failing state inspections and facing potential fines. Look for affordable glass repair services or consider using a DIY windshield repair kit for minor damage.
Always consult with a glass repair professional to determine the best course of action.
What’s the difference between a ding, a crack, a chip, a spiderweb, a fracture, and a “little-bitty glass boo-boo”?
Jeez, are you still reading this far? We’re impressed. Or concerned. In any case, you probably have time to get your Lemonade Car insurance quote, so why not just go for it?
FAQs
Who is responsible if a rock hits my windshield?
If a rock hits your windshield, the responsibility typically lies with you since it’s considered an unavoidable road hazard. Comprehensive coverage in your auto insurance policy can help cover the repair or replacement costs, though you may need to pay a deductible.
Will my insurance premium increase if I file a claim for a windshield replacement?
Filing a claim for windshield replacement may not always lead to an increase in your insurance premiums, especially if your policy includes full glass coverage. However, it’s best to consult with your insurance provider, as the impact on your premiums can vary based on your insurance company and your claim history.
Does the type of vehicle I have impact the cost of windshield repair or replacement?
Yes, factors such as make, model, and the presence of any advanced technology (like heated windshields) can impact repair or replacement costs. Luxury vehicles often have more expensive windshields due to specialized materials.
What happens if I ignore a small chip or crack in my windshield?
Ignoring minor damage can lead to bigger cracks and more expensive repairs. Over time, the damage could compromise your vehicle’s structural integrity and create dangerous driving conditions. It’s best to get it checked out and taken care of by a professional right away.
Can I choose any repair shop or must I go through my insurance provider's network?
Some insurance policies require you to use approved repair facilities, while others may allow you to choose your own. If you have a Lemonade Car policy with extended glass coverage, we partner with Safelite to complete windshield replacements and repairs. Always verify with your insurer to confirm that the repair shop is covered under your policy.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
