Driving down the highway, most drivers will occasionally hear the sound of gravel hitting the windshield. The glass is pretty strong, but sometimes this can cause a small chip. You might hesitate if you notice a tiny chip in one corner. You might even ask yourself, “Does my auto insurance cover damage to my windshield?”

In this article, we’ll explain how your policy might cover damage to your windshield, so you can make the best decisions before and after damage occurs. You can also familiarize yourself with tips on how to file an auto insurance claim.

Does my auto insurance cover damage to my windshield?

Windshields are important. One of their most obvious functions is to stop wind, dirt, and rain from hitting us in the face while driving. But they also contribute to our vehicles’ structural integrity and help ensure that airbags deploy properly.

There are several different insurance coverage types. If you have affordable liability auto insurance coverage, you are likely to only have coverage for certain situations. If a collision damages your windshield, the at-fault driver will need to cover the cost of the damage (or have their insurer pay on their behalf).

Outside of collisions, damage to the windscreen would be covered by a comprehensive insurance plan. You’ll likely have this if you’ve taken a full coverage policy. You might even decide to take out “full glass” coverage, which some insurers offer to cover glass separately from other damage.

Depending on your state and policy, your coverage might even have a zero or no-cost deductible. You should check this and consider whether it’s worth it to pay out of pocket instead of going through insurance.

Aside from their critical importance from a safety standpoint, there are other good reasons to repair your damaged windshield as soon as possible. Above all, taking action will help to decide whether your insurance will pay out.

What are the different types of damage that can happen to my windshield?

We could say that there are two ways that your windshield can become damaged.

The first way involves damage caused during a collision. This can range from a crack from the impact all the way to the glass shattering completely.

The second way your windshield can become damaged is during “normal” driving. One example is grit hitting the windshield, but it can include other, more serious impacts such as a falling branch or even hitting an animal in the road.

Final Thoughts on Whether Your Auto Insurance Will Cover Windshield Damage

A windshield can suffer damage in different ways. Your policy will likely cover at least some of these situations, particularly if you’ve removed affordable comprehensive auto insurance coverage.

Always check your policy, and consider taking our further options. Assess your deductible, and compare this to the possible cost of repairing a chip or replacing the glass. Remember: if you see a chip, you must take action immediately for your safety and to ensure you comply with your policy.