This guide offers essential insurance advice for windshield damage repairs and replacements. It covers coverage details, how to handle claims, and the impact on premiums, helping drivers make informed decisions after damage incidents.

Insurance Guidelines for Repairing or Replacing Your Windshield

Driving on a clear day, a tiny stone may unexpectedly strike your windshield, resulting in a small chip. Debris such as gravel, ice, or even birds can cause cracks or chips in various parts of your vehicle, including the windshield, sunroof, or side and rear windows.

Most auto insurance policies cover repairs and replacements for damage inflicted by stones, storms, vandalism, or animals. Having comprehensive coverage could mean avoiding out-of-pocket expenses for these repairs.

Before making an insurance claim, keep these factors in mind…

What is your deductible?

Review your comprehensive deductible—most policies cover repair costs after deducting this amount. For minor chips, paying yourself may be more cost-effective, but if damages are extensive and costs surpass your deductible, submitting a claim can be advantageous.

Effects on premium rates
Usually, repairs caused by stones, weather, or animals won't increase your premium. However, if the damage results from a collision with another vehicle, filing a claim might lead to higher rates upon policy renewal.

How to file a windshield insurance claim:

Reach out to your insurer by phone, online, or in person to report the damage. Your agent will explain your coverage options.

An adjuster will evaluate the damage and determine claim eligibility.

Arrange for repair or replacement, preferably with insurer-approved providers.

If you choose an external repair shop, submit your invoice for reimbursement if applicable.