Yes, you can file an insurance claim for a broken windshield if you have comprehensive coverage, but whether you should file the claim depends on factors like your deductible and potential premium impacts.
Most auto insurance policies cover windshield damage under comprehensive coverage, which pays to repair or replace glass damaged by things like road debris, hail, vandalism, or falling objects (minus your deductible). However, if the cost to fix the windshield is close to or below your deductible, you might choose to pay out of pocket to avoid adding a claim to your record.
For personalized advice on coverage or claims, call Insure on the Spot at 773-202-5060.
When Should I File an Insurance Claim for a Broken Windshield?
Filing a claim for a cracked or shattered windshield is generally worthwhile when the repair or replacement cost is significantly higher than your deductible. If replacing your windshield costs $400 and your comprehensive deductible is $250, using insurance makes sense—you’d pay $250 and your insurer covers the remaining $150.
When to File a Windshield Claim:
- Severe or Unsafe Damage: A large crack or shattered windshield obstructs your view, and in Illinois, it is illegal to drive with such damage. In these cases, you should file a claim to have your windshield replaced promptly.
- High Repair Costs: Windshield replacement can be expensive, especially with newer cars featuring advanced sensors and driver assistance systems. If the cost exceeds your deductible, using your insurance will help cover the rest.
- Multiple Glass Panels Damaged: If side windows or rear glass are also damaged, filing a claim under comprehensive coverage is a good option to manage high repair costs.
On the other hand, minor damage such as small chips or cracks may not warrant a claim if the cost is below your deductible. If the repair cost is relatively low, paying out of pocket can help avoid a claim that could affect your future rates.
What Insurance Coverage Pays for a Broken Windshield?
To get a broken windshield covered, you need comprehensive coverage. Comprehensive insurance typically covers windshield damage caused by non-collision events like road debris, vandalism, or weather conditions. In Illinois, if you only carry liability insurance, you’re not covered for windshield damage—liability only covers damage to other vehicles and persons.
Comprehensive Coverage:
- Covers Windshield Damage: Cracks or shattering due to accidents with non-moving objects, hail, or vandalism are generally covered under comprehensive insurance (after the deductible).
- Collision Coverage: If the damage occurs during a car accident, collision coverage will apply.
- Full Glass Coverage: Some insurance policies offer a glass rider that waives the deductible for windshield repairs. While Illinois doesn’t require $0 deductible glass coverage, it may be worth adding this endorsement for complete protection.
Will a Windshield Claim Raise My Insurance Rates?
Generally, a single windshield claim will not cause your insurance premium to increase. Insurers typically treat auto glass claims as non-fault comprehensive claims, which have minimal impact on your risk profile. However, if you make frequent glass claims, even small ones, your insurer might view you as higher-risk, which could lead to a rate increase.
When a Claim Might Raise Your Rates:
- Multiple Claims: Multiple claims for glass damage over a short period could trigger rate increases, especially in areas prone to debris or extreme weather.
- Long-Term Effects: In some cases, insurers may hesitate to renew your policy if your claims suggest a pattern of high-risk driving.
Is It Better to Repair or Replace a Cracked Windshield?
Small chips or cracks can often be repaired without the need for a full replacement. Generally, repairs are cheaper and quicker, preserving the integrity of your windshield. If the crack is more than 6 inches long, or if it’s in your direct line of sight, a full replacement is needed.
When to Repair:
- Small Chips/Cracks: Chips smaller than a quarter or short cracks can often be repaired without affecting visibility.
- Fast & Low-Cost: Repairs are usually cheaper and quicker than replacement, and many insurers offer $0 deductible for minor repairs.
When to Replace:
- Severe Damage: Long cracks, damage in the driver’s line of sight, or damage at the edges of the glass often require a full windshield replacement.
- Safety Considerations: A cracked windshield can compromise the vehicle’s structural integrity, so replacing it when necessary is crucial for safety.
How Much Does a Windshield Claim Cost (Repair vs. Replacement)?
The cost of a windshield claim depends on whether you’re repairing or replacing the windshield and your policy’s deductible. Repairs are generally cheaper and may be covered without a deductible. Windshield replacement, however, requires you to pay your deductible.
Typical Costs:
- Windshield Repair: $50-$150 for small chips or cracks, often covered at no cost to you by your insurer.
- Windshield Replacement: $200-$1,500 or more, depending on the make and model of your vehicle. You’ll pay your deductible, and insurance covers the rest.
For Illinois drivers, a windshield replacement may range from a few hundred dollars to over $1,000. If you have comprehensive coverage, your deductible will apply, and insurance will cover the remainder.
How Do I File an Insurance Claim for a Broken Windshield?
Filing a windshield claim is typically simple. Here are the steps:
- Report the Damage: Contact your insurance company immediately after the damage occurs to report the claim. Many insurers offer 24/7 support via phone, website, or app.
- Provide Documentation: Provide details about the incident and any photos of the damage to support your claim.
- Schedule Repairs: After your claim is approved, schedule a repair or replacement through an authorized repair shop or your preferred facility.
- Pay Your Deductible: For a replacement, you’ll pay your deductible directly to the repair shop, and your insurer will cover the remaining cost.
Windshield Claims in Illinois – What Are Your Options?
In Illinois, comprehensive coverage is essential for windshield protection. Although Illinois does not have a law requiring $0 deductible for windshield claims, many insurers offer full glass coverage or specialized riders that can help you avoid a deductible for glass claims.
Key Local Considerations:
- Insurance Requirements: Illinois drivers must have comprehensive coverage for glass damage, which is vital due to local weather and road conditions.
- No Special Law for Free Glass Replacement: Unlike some states, Illinois drivers must pay their deductible unless they have an optional glass coverage rider.
- Ticketable for Unsafe Windshields: If windshield damage obstructs your view, you may face fines or even a suspended license.
Frequently Asked Questions about Broken Windshield Claims
Q: Does car insurance cover a broken or cracked windshield?
A: Yes, if you have comprehensive coverage, your insurance will cover the damage. Comprehensive insurance handles windshield damage from events like road debris, hail, or vandalism.
Q: What is comprehensive coverage for windshields?
A: Comprehensive coverage is the part of your insurance that pays for non-collision damage, including windshield cracks from events like rocks, storms, and accidents with animals.
Q: Do I have to pay a deductible for windshield replacement?
A: Typically, yes, you will pay your deductible for windshield replacement. However, some policies offer a glass rider that waives the deductible for glass claims.
Q: How do I file a claim for a broken windshield?
A: To file a claim, contact your insurer immediately after the damage occurs. Provide details, schedule repairs, and pay your deductible.
Q: Should I repair a small windshield chip or get a full replacement?
A: Repair small chips or cracks that are under 6 inches long and not in your direct line of sight. Replace the windshield if the damage is larger or obstructs your view.
Q: Will a windshield claim increase my insurance premium?
A: Generally, a single windshield claim will not raise your premium. However, multiple glass claims may result in a rate increase.
Get a Quote Today!
If you’re unsure whether your policy covers windshield damage or need help filing a claim, Insure on the Spot is here to help. Call 773-202-5060 for expert advice and a fast, free quote tailored to your needs!