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Will Insurance Cover a Windshield Crack?

Andy Mohr Collision Center

We’ve all been there: One minute, you’re driving along the highway, when a rogue rock jumps up and cracks your windshield. While this cosmetic damage does not pose any immediate threats to your vehicle’s operation, our team at Andy Mohr Collision Centers understands your concern of having it fixed. 

If you were wondering if insurance will cover a windshield crack, we have an answer for our Plainfield, Indianapolis, Fishers, and Bloomington, Indiana, drivers! On this page, you’ll learn whether insurance covers windshield damage, how it can be fixed, and why it’s important to have it fixed as soon as possible. Start reading below! 

Does Insurance Cover a Windshield Crack?

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While insurance coverage entirely depends on your provider, one of the best ways to know if windshield damage is covered is to have comprehensive coverage set in place. The majority of auto glass cases are covered under comprehensive coverage, but one way you can truly find out is by asking your insurance company. 

Having comprehensive coverage typically covers any damage to your vehicle that is considered “an act of God.” Common causes that could fall under this category and are typically covered include: 

  • Fallen tree branches 
  • Road debris 
  • Snow or hail 
  • Vandalism 
  • Rogue sports balls 

Bottom line is: Yes. A cracked windshield can be covered by insurance as long as you have comprehensive coverage that covers all auto glass on your vehicle, not just your side windows or rear window, for example. We also recommend checking in with your insurance company and following up with state mandates as well. 

Windshield Repair

Did a tree branch create a large crack on your windshield during a big storm? Has a small rock chipped and scratched your windshield? While this glass damage is minor, it’s crucial to have it checked out and repaired. Luckily, our technicians live and breathe glass repairs!

When you bring your vehicle into our shop, our technicians can get right to work on this simple repair. With years of experience under their belts and high-quality tools, they can repair or replace your windshield in no time! Even if your windshield is damaged from a collision, our technicians are happy to help with any issue big or small. 

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Why You Should Fix Your Cracked Windshield

A cracked or chipped windshield is typically considered cosmetic damage. Cosmetic damage is any type of exterior vehicle damage that does not immediately alter its operation. While a cracked windshield can bring a lot of attention to it, it is not an emergency. However, we recommend you have it repaired as soon as possible. 

Whether it’s a small chip from hail or a crack from a free-flying baseball, that chip or crack can turn into larger damage. Repairing a cracked windshield can help you avoid future expensive repairs and help improve your vision through the windshield. Feel free to schedule an estimate with us at any time! 

Repair Your Windshield Today

Ready to have your windshield look brand new? Schedule a windshield repair estimate with us at Andy Mohr Collision Centers near Plainfield, Indianapolis, Fishers, and Bloomington, IN, today. 

Andy Mohr Collision Centers