Do I Need Coverage for My Windshield?

Driving in Texas means navigating through cities filled with ongoing construction, which brings dust, debris, and flying rocks into the path of vehicles. Windshield damage isn’t just a possibility; it’s almost inevitable.

Windshield damage is the most common claim filed in auto insurance, according to The Windshield Experts. But when it happens, the real question is: Do you need coverage for your windshield?

In this guide, we’ll break down everything you need to know about windshield damage protection, how it ties into your personal insurance policy, and why having this auto/car insurance coverage could be critical. Let’s dive into why this is important and what it covers.

The Importance of Windshield Coverage

Windshield damage is something every driver will likely face at some point. Rocks, debris, and accidents can cause chips or cracks in your windshield. They can obstruct your view and compromise safety.

According to research, repairing or replacing a windshield can be costly without proper coverage. But what does your auto insurance coverage offer regarding your windshield?

Most personal insurance policies, including comprehensive auto insurance, offer protection for windshield damage, but there are limitations and exceptions. Understanding these details ensures you’re prepared for that inevitable chip or crack.

What’s Covered?

You can file a windshield claim under your comprehensive auto insurance policy covering non-collision-related damage. This type of policy helps repair or replace your windshield if:

• A rock or other object hits your windshield and causes a crack or chip
• Debris from an equipment truck damages your windshield while driving through construction zones
• Extreme weather conditions, such as hailstorms, break or damage your windshield

Windshield coverage generally includes repair and replacement, depending on the extent of the damage. Repairs are often encouraged as they are less costly, quicker, and don’t require paying your deductible.

Rock Chips vs. Cracks: What’s the Difference?

Windshield damage can range from minor chips to severe cracks. Knowing the difference can help determine whether a repair or replacement is necessary.

Rock Chips

Rock chips are minor damages caused by debris that doesn’t spread. These can often be repaired, which is cheaper and quicker.

Cracks

Larger damage usually spreads across the windshield, impairing vision. Cracks typically require replacement rather than repair.

Glass coverage for windshields can help you address both, but it’s important to act before chips turn into cracks.

When Is Windshield Damage Covered?

Not all windshield damage is covered under a basic insurance policy. For the most part, comprehensive auto insurance protects you from damages not caused by a collision. If you only have liability coverage, windshield damage may not be included, and you could be responsible for the repair or replacement costs.

Some policies offer full glass coverage, which means you don’t pay a deductible when your windshield needs to be repaired or replaced. However, without this coverage, you may have to pay a deductible ranging from $100 to $1,000 depending on your policy.

When It’s Too Big: Replacement vs. Repair

If a windshield chip is smaller than a quarter, it can often be repaired instead of replaced. Insurance companies prefer repairs as they are quicker and less expensive.

However, a total replacement is usually necessary if the chip turns into a long crack or the damage is directly in the driver’s line of sight. Your insurance provider will cover the replacement cost in those cases, but the deductible may apply.

At Kicker Insures Me Agency, we recommend reviewing your policy details with an agent to confirm you’re covered for windshield replacements without facing high out-of-pocket costs.

Should You Pay Out-of-Pocket or Use Insurance?

It may be more cost-effective to pay out-of-pocket for minor repairs rather than filing a claim and potentially seeing your insurance premiums rise. However, filing a claim is a smart move if you have full glass coverage or the replacement cost is much higher than your deductible.

Kicker Insures Me Agency can guide you on whether to pay out-of-pocket or file a claim depending on the situation and your specific coverage.

Where Can I Get It Fixed?

When your windshield suffers damage, it’s important to act quickly. Many insurance companies have partnerships with certified repair shops.

These facilities can repair or replace your windshield according to industry standards. Often, a repair can be completed in less than 30 minutes, allowing you to get back on the road safely.

If your vehicle insurance policy includes glass coverage, your insurance provider may even arrange mobile repairs, meaning a technician will come to you.

How to File a Windshield Claim

Filing a windshield claim is straightforward with most vehicle insurance providers. Here’s a simple step-by-step process to follow:

1. Assess the Damage: Determine whether the damage is a small chip or a large crack that may need replacement
2. Contact Your Insurance Agent or Provider: Reach out to your insurance agent, hopefully you have a local insurance agent, or provider to review your policy and determine if glass coverage applies
3. Choose a Repair Shop: If you have glass coverage, your insurance provider will recommend certified repair shops or mobile services
4. Get the Repair/Replacement Done: Schedule the repair or replacement and provide your insurance information to the service provider

Should You Add Windshield Auto/Car Insurance Coverage?

If you live in Texas, where windshields are constantly at risk of damage, adding full glass coverage to your auto insurance coverage is wise. It protects you from high repair or replacement costs and ensures you can drive safely without obstructed views.

Without proper coverage, even a small chip could turn into a large crack, leading to more expensive repairs or even fines for driving with a compromised windshield.

Protect Your Windshield With Comprehensive Personal Insurance

Your vehicle’s safety and structural integrity depend on a clear, undamaged windshield. Adding full glass coverage to your personal insurance policy can save you time, money, and stress.

Don’t wait until faced with a windshield crack or chip that threatens your safety. Kicker Insures Me Agency can review your policy and ensure your windshield is covered.

Contact Kicker Insures Me Agency to learn more about the best options under your auto/car insurance coverage. Whether you need a simple repair or total replacement, our team is here to help guide you through the process and protect you on the road.