Windshields are essential for your car’s structural integrity and the protection of the passengers inside. Cracks or chips in your windshield can quickly turn into significant problems, so knowing if your car insurance policy will help pay for repairing or replacing a windscreen is essential.

Most car insurance policies will cover at least part of the cost of repairing or replacing a windshield. Still, the amount that is covered will vary depending on the policy. It’s important to read through your policy carefully to determine exactly what is covered and how much you will be responsible for paying.

This article will discuss if car insurance protects you from windshield damage and what you can do if your windshield is damaged.

When Is Windshield Damage Covered Under Car Insurance?

As we mentioned, most car insurance policies will provide some coverage for cracked or chipped windshields. However, the amount of coverage you have may be limited. For example, your policy may only cover up to $100 worth of damage. If your windshield needs to be replaced entirely, you will likely have to pay for the entire cost yourself.

It depends on your specific policy, so it’s essential to read the terms and conditions carefully.

A comprehensive insurance policy will typically cover more types of damage than a liability policy. If you only have liability insurance, your policy may not cover any damage to your windshield.

Deductibles Under Windshield Damage Claims

A deductible is the amount of money you have to pay out-of-pocket before your insurance covers the rest of the cost. For example, if you have a $100 deductible and your windshield needs to be replaced, you will have to pay the first $100 yourself. Your insurance company will then cover the rest of the windscreen damage claim.

Most car insurance policies have a deductible for windshield damage claims. The amount of the deductible can vary depending on your policy. It’s typically between $100 and $500.

When to Not Raise a Windshield Damage Claim? 

If the cost of repairing or replacing your windshield is less than your deductible, you may want to just pay for the repairs yourself. This is because you will have to pay your deductible regardless of whether you make a claim or not.

For example, let’s say your deductible is $250, and it will cost $200 to repair your windshield. In this case, you would just pay for the repairs yourself since it’s less than your deductible.

In addition, making a windscreen insurance claim can sometimes cause your insurance rates to go up. This is because insurance companies view windshield claims as a sign of carelessness.

Tips to Maintain and Protect Your Car’s Windshield

If you want to avoid paying for windshield repairs or replacements, you can do a few things.

Keep your car clean and free of debris

This includes leaves, dirt, and rocks. If you park your car in an area exposed to the wind, use a windshield protector. Keeping your windshield clean will also help you to see better while driving.

Inspect your windshield regularly

Check for any cracks or chips and have them repaired as soon as possible. The longer you wait, the worse the damage will get. A trusted windscreen repair service can fix minor damage quickly and easily.

Be careful when driving on the road

Watch out for rocks or other debris that can fly up and hit your windshield. Also, avoid driving in construction zones where there is a lot of dust and debris. Moreover, if you live in an area prone to severe weather, take extra precautions when driving in bad weather.

Invest in good quality windshield wipers

Windshield wipers are essential for keeping your windshield clean and clear. They also help to remove any debris that may be on your windshield. Invest in a good-quality pair of windshield wipers to last longer and do a better job of keeping your windshield clean.

These are just a few tips to help you maintain and protect your car’s windshield. Following these tips will help you avoid costly repairs or replacements in the future.

Conclusion

Having car insurance can provide peace of mind if your windshield is damaged. It’s important to read your policy carefully to understand what isn’t covered. If you have any questions, don’t hesitate to contact your insurance company.

In addition, there are a few things you can do to help protect your windshield and keep it in good condition. Make sure to follow them to avoid any future problems.