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Why won't my car insurance pay for a cracked windshield?
"I have full coverage and thought comprehensive covered cracked windshields. My insurance company is saying I need to pay my deductible of $500 first. Why won't they cover it?"
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“A cracked windshield or broken glass is normally covered under
comprehensive insurance
or collision insurance
depending on how the crack occurred. However without full glass coverage or a $0 deductible for glass, you’d be responsible for paying your deductible first. While it depends on the type of vehicle you have, you can typically get a crack repaired or your windshield replaced for less than $500. Unless the cost is well above $500, you should just pay the cost out of pocket.
If you’re worried you may have a cracked windshield in the future, you should check with your insurance company. They may offer full glass coverage on your policy. Since you already have full coverage, it shouldn’t cost significantly more to add it.”
View full answer
- Gregory R.
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