If your windshield is cracked or chipped, you’re probably wondering: “Is this going to come out of my pocket – or will insurance cover it?”
The answer? It depends on your policy – but in many cases, windshield repair is either partially or fully covered.
Understanding your insurance coverage can save you money, reduce stress, and help you act quickly before the damage gets worse.
In this post, we’ll explain how windshield repair insurance works, what types of coverage apply, and how to check your policy step-by-step.
What is Windshield Repair Insurance Coverage, and Why Does it Matter?
Windshield repair coverage refers to whether your auto insurance policy will pay for repairing or replacing your damaged windshield.
This matters because:
- Repairs can cost anywhere from $50 to $400+
- Replacements can cost hundreds more
- Some policies cover repairs with no deductible
Knowing your coverage helps you avoid unnecessary out-of-pocket expenses.
How to Check If Your Insurance Covers Windshield Repair
Step 1: Review Your Policy Type
There are three main types of auto insurance:
- Liability → does NOT cover windshield damage
- Collision → may cover damage from accidents
- Comprehensive → usually covers windshield repair
If you have comprehensive coverage, you’re likely covered.
Step 2: Check Your Deductible
Your deductible is what you pay before insurance kicks in.
If repair cost < deductible → you pay out of pocket
If repair cost > deductible → insurance helps cover
Some insurers waive deductibles for windshield repairs.
Step 3: Look for Full Glass Coverage
Some policies include full glass coverage, which means:
- No deductible
- Repairs fully covered
- Sometimes includes replacement
Step 4: Contact Your Insurance Provider
The fastest way to confirm coverage is to call your provider directly.
You can also ask your repair company to assist.
Contact ProGuard Auto Glass to get a quote and inquire about insurance coverage.
Step 5: Schedule Your Repair
Once confirmed, you can book your service.
Windshield Repair/Replacement page
Tips and Reminders for Insurance Coverage
1. Act Quickly
Insurance is more likely to cover repairs before cracks spread. Small chips can often be fixed quickly and cheaply, but if you wait too long, that damage can spread into a larger crack.
2. Repairs Are Cheaper Than Replacement
Insurers prefer repair – so they’re more likely to cover it. This is because they are faster, less expensive, and require fewer resources.
3. Coverage Varies by State
Some states require insurers to waive deductibles for glass repair. While Maryland doesn’t mandate full coverage like some states do, many insurance providers still offer glass coverage as part of comprehensive plans.
4. Use Approved Providers
Working with a trusted company ensures smooth claims processing. This means less stress for you – and fewer chances of errors or claim delays.
When Insurance Might Not Cover It
There are some situations where you may have to pay:
- Liability-only insurance
- Damage caused intentionally
- Missed claims deadlines
- Costs below your deductible
Even then, repair is often affordable compared to replacement.
Why You Should Still Repair ASAP
Even if you’re unsure about coverage, delaying repair can lead to:
- Larger cracks
- Full replacement costs
- Safety risks while driving
Organizations like the National Highway Traffic Safety Administration emphasize the importance of maintaining windshield integrity for visibility and crash protection.
So, is windshield repair covered by insurance? In many cases – yes, especially if you have comprehensive coverage.
The key is to check your policy, act quickly, and work with a company that can guide you through the process.
Contact ProGuard Auto Glass today to learn more about Windshield Repair and to get a free quote.
Visit our Laurel or Glen Burnie location.
