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A Comprehensive Guide to Cracked Windshield Insurance

Monday, 18 March 2024

Whether you are making your daily commute to work, heading out on a road trip, or going on a leisurely cruise, having a clear and unobstructed view of the open road is a must. However, a cracked windshield can make that a little difficult. Not only is it an eyesore, but it can also pose some safety risks if not tended to quickly.

Getting this fixed might feel like a hassle to deal with, and you might even find yourself wondering, "Does insurance cover a cracked windshield?" In this blog, we'll delve into the details of cracked windshield insurance, what it covers, and what steps to take if you find yourself with a chipped or cracked windshield.

Does Insurance Cover a Cracked Windshield?

First things first, let's address the primary question: does car insurance cover cracked windshields? Depending on where you live and the type of auto insurance coverage you have, you may be covered for a cracked windshield. This is usually the case if you have a policy with comprehensive coverage or all-perils coverage, as this typically means you are protected from damages not caused by a collision, such as theft, vandalism, or even cracked windshields. 

That said, if you have basic auto insurance or specified-perils coverage, you might not be covered - making it essential to check your policy details. In provinces like Alberta, for example, an endorsement known as SEF 13D limits the amount of coverage you have to specified perils and will not include damage to your windshield from rocks or debris. Should you need further assistance in determining what you are covered for, be sure to contact your insurance broker.

Windshield Repair

If you notice a crack in your windshield, acting quickly is key. Windshield repair typically involves fixing minor cracks or chips before they spread. Fortunately, having your windshield repaired does not usually count as a claim on your insurance record. This means you can get it fixed without worrying about potential rate increases.

Windshield Replacement

In some cases, a crack may be too large or in a critical area, and you will be forced to replace your windshield entirely. This process can vary in cost depending on the severity of the damage and may require you to pay a deductible. It's crucial to understand what types of damage require a repair and not a full replacement. Taking swift action and addressing the issue as soon as possible can save you from larger expenses.

What to Do About a Cracked Windshield

Now that we've covered the basics of repair vs. replacement let's discuss what to do if you find yourself with a cracked windshield. The first step is to contact your insurance provider to understand your coverage. Your provider will inform you of the next steps to take to address the issue.

Many insurance companies have partnerships with windshield repair shops, making the process easier for you. When taking your car in for repair or replacement, be prepared to provide your insurance information. The repair shop will work with your insurance company directly, simplifying the billing process for you. Depending on your coverage, you may not have to pay anything out of pocket for a repair.

Common Questions About Cracked Windshield Insurance

Does insurance cover cracked windshields from storm damage?

If you have comprehensive or all-perils coverage, you will typically be covered if your windshield is damaged by a storm. These coverages extend to various non-collision incidents, providing peace of mind during severe weather. Having them in your policy is highly recommended if you live in storm-prone areas where hail or even strong winds can cause cracks or chips to your windshield. Should you incur damage, you will need to file a claim with your provider. As previously mentioned, this is a pretty straightforward process, and your insurance provider will work with the repair shop to complete the service and provide payment.

Is a cracked windshield covered by insurance if the damage is from vandalism or theft?

Another unforeseen and potential cause of damage to your windshield is done through vandalism and theft. Comprehensive coverage generally includes protection against these acts, including damages to your windshield. This coverage is especially valuable in urban or high-crime areas, ensuring quick repairs to maintain your vehicle's safety. Unfortunately, should you have the SEF 13D endorsement, your policy will not cover your windshield from vandalism. However, the remaining windows will be protected.

Does insurance cover a cracked windshield from a car accident?

If you have collision insurance, then yes, your cracked windshield would most likely be covered. Collision insurance is designed to cover damages to your vehicle resulting from collisions with other vehicles or objects. 

If your windshield is cracked as a result of a covered accident, such as a collision with another car or hitting an object, your insurance would typically cover the costs of repairing or replacing the windshield. 

Does insurance cover windshield cracks from rock chips?

Your policy will determine whether you are covered for this damage. Comprehensive coverage typically includes protection for damages not caused by a collision, so cracks or chips from rocks would be included. Endorsements, like the SEF 13D in Alberta, would exclude rock damage from your policy.

If your policy includes comprehensive coverage, you can likely rely on it to cover the costs of repairing windshield cracks from rock chips, ensuring your vehicle stays safe on the road. However, the extent of coverage can vary, so it's important to review your policy details.

Will I pay a deductible?

The need for a deductible also depends on your policy. When it comes to repairing a cracked or chipped windshield, your insurance provider might not require you to pay out-of-pocket and will waive the deductible. This makes repairing a cracked windshield a convenient and affordable option. That said, should you need to replace your entire windshield, you can expect to pay a deductible.

Get an Auto Insurance Quote Today with BIG

Understanding your insurance coverage, especially when it comes to your windshield, is crucial for every driver. At BIG, our goal is to help you save on car insurance while providing the protection you need. Our experienced team of insurance professionals will work with our trusted insurance partners to find the best policies, walk you through different forms of coverage, and help you protect your vehicle with confidence. If you are ready to explore your options, contact a BIG broker or request a quote for auto insurance today. 





By: Devon Gribble