Does Insurance Cover Windshield Replacement?

This video asks an important question often asked by drivers: Will my insurance cover windshield replacement or repairs?

The reason this is such a common question is that so many car insurance claims are for glass damage. This could be chips from debris on the road, sudden changes in temperature, or even a collision. For example, a heavy knock on a wing mirror could cause damage to either the mirror glass or the driver/passenger side window without causing any major structural damage to the main body of the car.

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With that in mind, most people might think that all policies cover glass and windshield damage. It may surprise drivers to learn that the coverage depends on the policy they’ve taken out. While many policies do cover windshield replacement and repair, some do not. It’s always worth asking the insurer if this will be covered when taking out a new policy or renewing an existing one.

Most comprehensive policies cover glass damage. However, there may be restrictions on where car owners can go to get the work done.

Car insurance policies that are not comprehensive won’t always cover windshield repairs and replacements, and if the deductible is more than the cost of the windshield, drivers will usually have to pay for replacements out of pocket.

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