How Do I Know if Insurance Covers Windshield Replacement?

Windshield Replacement

You might have many questions about how to know if your insurance covers windshield replacement – whether or not you’ll be covered by the same plan, what will happen if your car gets towed, and whether or not there are any additional charges.

There’s no need to worry with this article – it breaks down all the information you require to make an educated decision!

What is windshield replacement?

Windshield replacement is a common repair on vehicles. Many people need to find out if their insurance covers the cost of this repair. If unsure, you can contact your insurance company and ask them.

What Is Glass Coverage?

If you’re a driver in the United States, your policy may cover windshield replacement. Your policy might also cover other car damage, like damage from a rock or stolen items.

To find out if your policy covers windshield replacement, you’ll need to call your insurance company and ask them. They’ll probably have a form you can fill out to verify coverage.

If your insurance doesn’t cover windshield replacement, other options are available. You can try to get the repair done or find a company.

When do windshields need to be replaced?

Running your car without a windshield is like driving with the windows down on a hot day – it’s not safe. When your windshield is damaged, it can cause significant safety issues. Windshields need to be replaced every several years depending on how often they are hit by rocks, debris, or other objects.

If you need clarification about whether or not your insurance company covers it speak to them directly.

Types of auto insurance policies that cover windshield replacement

Windshield replacement is an essential part of car ownership, and many drivers believe that their insurance policy should cover the cost of a new one. However, various types of auto insurance policies cover windshield replacement, so it’s essential to know which one your policy falls under.

Some policies will only cover a specific type or brand of windshield if broken. For example, if your policy covers glass repair, it would also cover replacing a cracked windshield but not a window from another car. Ask your agent about coverage specifics when you buy your policy.

Other policies will cover any type or brand of glass in your car if broken. Your policy will pay for the replacement even if the window is from another vehicle. Just read the coverage details carefully to ensure you’re covered for everything you need.

How much does it usually cost to replace a car’s windshield?

The manufacturer or insurance company will likely cover the replacement cost if your car has a windshield. You may not realize it, but even if your vehicle doesn’t have a windshield, you may be able to get coverage for the repair or replacement. Audit with your insurer to see if this is the case.

If you don’t have insurance, you can expect to pay between $200 and $500 for a new windshield. This price will vary depending on the make and model of your car. Some parts retailers offer discounts for customers who buy their windshields in bulk.

How to file a windshield insurance claim?

If you have windshield insurance, follow these steps to file a windshield insurance claim:

1. Contact your insurance company and ask about filing a windshield replacement claim.

2. Review your policy document to see if it covers windshield repair or replacement.

3. If your policy does cover windshield repair or replacement, follow the instructions on the back of your approach to file a claim.

4. If your policy does not cover windshield repair or replacement, consider purchasing supplemental insurance that includes coverage for this type of damage.

What States Offer Free Windshield Replacement?

If you reside in one of the states that offer free windshield replacement, your insurance company most likely covers the cost. The list of states that offer free windshield replacement is growing every year, so it’s a good idea to check with your insurer to see if they cover the procedure.

Some insurance companies will cover the entire cost while others may only cover part.

Does auto Insurance Cover Windshield Damage?

Auto insurance typically covers damage to the vehicle caused by an outside force, such as a collision. It includes damage to the car’s windshield. If your car’s windshield gets damaged in a car accident, you will likely need to replace it. Make sure that your policy covers this type of damage.

Some policies may also cover the repair or replacement cost if the damage results from a covered accident.

Should You Use Insurance To Replace A Windshield?

If you face an accident and your windshield is damaged, you should consider using your insurance to replace the windshield. Your insurance company may cover the replacement cost if the damage is significant. In most cases, your insurance company will require documentation from the accident scene before approving a claim.


Your insurance might cover windshield replacement, but it’s always a good idea to call and verify coverage before fixing the damage. Most policies have exclusions for certain types of damage, so it’s important to know what those are to avoid any surprises or costs down the road.

Article and permission to publish here provided by Tetiana Zaiets. Originally written for Supply Chain Game Changer and published on December 14, 2022.