Bottom Line
If your car window shatters, most comprehensive auto‑insurance policies will foot the bill, but liability‑only coverage won’t. Knowing your policy’s details can save you time and money.
Does Auto Insurance Cover Broken Car Windows? What You Need to Know
Image: Does Auto Insurance Cover Broken Car Windows? What You Need to Know – Performance Comparison and Specifications
What’s Actually Covered?
Insurance companies split coverage into two main buckets:
- Comprehensive coverage – protects against non‑collision events like vandalism, stone chips, or a stray baseball breaking the glass.
- Collision coverage – only helps when the window cracks because of a crash with another vehicle or object.
If you only have the state‑required liability policy, the repair cost is yours to cover.
Policy Limits and Deductibles
Even with comprehensive coverage, two numbers matter:
- Deductible – the amount you agree to pay out‑of‑pocket before the insurer steps in. Many drivers choose $250 or $500.
- Coverage limit – the maximum the insurer will pay for a single claim. Most policies set a high enough limit for a windshield replacement, but it’s worth checking.
When a window breaks, the insurer will usually pay the actual cash value of the glass, minus your deductible.
Cost‑Effective Tips
Here are three ways to keep the expense low:
- Ask about a lower deductible for glass‑only claims – some insurers offer a $0 deductible for windshields.
- Choose an approved repair shop. Many insurers have a network that guarantees quality and often reduces the charge.
- Consider “glass‑only” coverage add‑ons. They’re cheap and can be added to a liability policy for extra peace of mind.
Typical Replacement Costs (Quick Reference)
| Engine | Mileage | Price | Top Features |
|---|---|---|---|
| V6 | 30,000 mi | $250 | Tempered glass |
| 4‑cyl | 45,000 mi | $180 | Laminated windshield |
| Hybrid | 20,000 mi | $300 | Acoustic glass |
FAQ
- Does liability insurance cover a broken window? No. Liability only pays for damage you cause to others, not your own vehicle.
- Can I get a $0 deductible for glass repairs? Some insurers offer a zero‑deductible option for windshields, but it usually applies only to glass that can be repaired, not replaced.
- Is comprehensive coverage worth it if I only worry about glass? If you live in an area with lots of road debris or vandalism, the extra cost of comprehensive insurance often pays for itself.
Got a story about a broken window and how your insurance handled it? Share it in the comments below!
Source: Read Official News
