Auto Glass Coverage: What You Need to Know About Filing a Claim
Cracks, chips, and shattered windshields are an unfortunate reality of driving. Whether it’s a stray rock from the highway, a fallen tree branch, or even extreme weather, glass damage happens when you least expect it. The good news? If you have comprehensive coverage on your auto insurance policy, you’re likely covered for glass repairs or replacements. Here’s what you need to know about filing a glass claim and getting back on the road safely.
Common Causes of Auto Glass Damage
Auto glass can crack or shatter for many reasons, including:
Road Debris – Rocks and gravel kicked up by other vehicles are one of the most common culprits of windshield chips and cracks.
Extreme Weather – Hailstorms, sudden temperature changes, and high winds can all lead to cracked or shattered glass.
Falling Objects – Tree branches, ice, or debris from construction zones can cause serious damage to windshields and windows.
Accidents & Vandalism – Car break-ins, attempted theft, or even a stray baseball in the neighborhood can result in costly glass damage.
Filing a Glass Claim: Step-by-Step
If your windshield or windows are damaged, here’s how to handle the claim process smoothly:
1. Check Your Coverage
Glass damage typically falls under comprehensive coverage on your auto policy. If you only have liability insurance, your policy won’t cover glass repairs or replacements. Some policies also include full glass coverage, which waives your deductible for windshield repairs or replacements.
2. Assess the Damage
Small chips and cracks under a certain size (typically a few inches) may be repairable, saving you the hassle of a full replacement. If the damage is extensive or in your line of sight, a full windshield replacement is likely necessary.
3. Contact Your Insurance Provider
Most insurance companies have a streamlined process for glass claims. Some even allow you to file online or through their mobile app. You’ll need:
Your policy number
Details about how the damage occurred
Photos of the damage (if required)
4. Choose a Repair or Replacement Provider
Your insurer may have preferred vendors, like Safelite, that handle glass claims directly. You can schedule an appointment with them, or choose your own repair shop if your insurance allows. Many providers offer mobile service, meaning they’ll come to your home or workplace to fix your windshield on-site.
5. Pay Your Deductible (If Required)
If you have a deductible on your comprehensive coverage, you may need to pay it before the repair or replacement is covered. Some policies offer zero-deductible glass coverage, so check your policy details.
6. Get Back on the Road
Once your glass is repaired or replaced, you’re good to go! If you had a windshield replacement, you may need to wait a few hours before driving to allow the adhesive to fully set.
Stay Protected with the Right Coverage
Auto glass damage can be frustrating, but the right insurance coverage makes the process stress-free. If you're unsure whether your policy includes comprehensive or full glass coverage, Hixson and Malinowski Insurance can help you review your options. Contact us today to make sure you’re protected from unexpected glass damage!
