Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • A cracked windshield is physical damage sustained by your car that could be covered under some insurance policies
  • If you have a comprehensive policy, a cracked windshield is the type of damage that could be covered because it is not the result of a collision involving your car
  • When you file a claim for cracked windshield on your car insurance policy, you will have to pay a deductible according to what is listed in your policy
  • In the process of filing a claim for your car insurance company, they may require some evidence of the cracked windshield
  • You should not delay in reporting a cracked windshield under your car insurance policy if you are seeking coverage

The general rule of thumb is that if a crack in your windshield is less than six inches in length, it is easier to repair it than to replace your entire window.

While you may think that a crack in your windshield is small enough to ignore, it can cause major damage and be very unsafe if left unattended to. If you carry

If you carry comprehensive auto insurance coverage, and glass claims are covered under your policy, then you probably have coverage for a crack in the windshield of your car. You should report the claim to your auto insurance company as soon as possible.

Make sure you have adequate car insurance protection. Compare companies side-by-side today to get started!

Comprehensive Coverage for a Claim Involving a Cracked Windshield

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Comprehensive insurance coverage is an optional type of policy, and if you have it a cracked windshield is likely covered. Comprehensive insurance typically covers damage to a car that is not incurred in an accident.

Other types of damage that would be covered by a comprehensive insurance policy include:

  • A smashed car from a fallen tree
  • Theft
  • Vandalism

On the declarations page of your insurance policy, you can find information about the specific types of claims that would be covered by your policy.

Keep in mind that the rate you will pay for comprehensive insurance coverage varies according to the insurance company.

This is why you can save money by shopping around for different auto insurance quotes for comprehensive coverage.

Make sure you also pay attention to the policy limits for your coverage so that you are not left having to pay out-of-pocket for a serious claim.

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Deductible for Your Comprehensive Car Insurance Policy

When you file a claim under your comprehensive car insurance coverage, you will have to pay some amount of the deductible.

Some people choose to have a higher deductible so that they can pay less for their premium.

When you are deciding whether to file a claim for a cracked windshield, you need to keep in mind the cost of your deductible.

If your deductible is particularly high, then it may not even make sense for you to file a claim for a cracked windshield at all. It all depends on the cost of the repair.

Filing a Claim for a Cracked Windshield

To recover under your comprehensive insurance policy for a cracked windshield, you need to file a claim. You start this process by contacting your auto insurance company about the damage to your car.

With most auto insurance companies, you do not have to worry about a claim under your comprehensive coverage increasing the price of your premium.

To make sure that this is the case for your insurance company, you can ask your auto insurance agent directly about the effect that the claim for a cracked windshield will have on your premium.

When you go to report the claim, make sure that you have evidence of the damage to your car. For something as minor as a cracked windshield, the auto insurance company will likely not send out an adjuster to examine your car.

The best way to show proof of the damage to your windshield is by using a clear picture. Make sure that you keep copies of everything you submit to the car insurance company in case you have any problem down the line in getting a settlement for your claim.

Because a cracked windshield is a fairly minor claim, the car insurance company should not take too long in getting your claim settled.

You may be asked to provide an estimate for the cost of the repair, and the car insurance company would pay the repair shop directly. Other times, the car insurance company will cut a check to you as reimbursement for the repair bill.

Recap on Filing a Claim for a Cracked Windshield

It can be tempting to ignore a small cracker chip in your windshield because the damage seems fairly minor. However, it can lead to a bigger crack and be very unsafe for you to drive your car.

If you have a comprehensive car insurance policy, the damage will likely be covered.

File a claim with your car insurance company by taking clear pictures of the damage and calling your car insurance company directly. Be prepared to pay the amount of your deductible out-of-pocket in order to be reimbursed for the repair.

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