Does car insurance cover a cracked windshield?
Car insurance covers the windshield if you have the right coverage. You need to carry comprehensive coverage to pay for windshield damage due to non-collision damage, like a rock flying up on the highway. Collision insurance will cover any damage that's the result of an accident.
State-minimum or any other liability-only coverage doesn't provide any protection for your vehicle.
Do I have to pay a deductible to fix my cracked windshield?
Whether you have to pay a deductible depends on your insurance policy and where you live. In some states, insurance companies are required to offer full glass coverage with no deductible on all insurance policies that include comprehensive coverage. Those states are:
- Florida
- Kentucky
- South Carolina
In these states, the insurance company can't change a deductible on comprehensive glass claims. In other states, you can purchase an add-on coverage for glass replacement with no or a very low deductible.
While the states above are often referred to as free glass replacement states, the coverage isn't free. You will still need to pay the premium on the comprehensive portion of the policy; you simply won't have to pay a deductible when you file a glass claim.
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