Will My Auto Insurance Cover a Cracked Windshield?

What should you do when a rock hits and cracks your windshield?

It’ll happen to everyone at least once in their driving life. You’re driving behind a construction truck and a pebble will fall and hit your windshield like it knew exactly where you were going to be. Or, perhaps, you are parked under a tree and a branch falls off and it leaves a sizable crack on your windshield. What are you to do, and who’s going to pay for the damages?  Know if your insurance will cover you, and what you should do when a pebble or other rogue object hits your windshield.

What to Do, What to Do?

Rather than ignore it, you should inspect the crack to determine the severity of it. Will you need to get it repaired or go the whole 9 yards and get it replaced? If it’s a small crack, it usually just needs to get repaired and you can move on. If it’s too big, it may become life-threatening and you may need to get the entire window replaced.

The dollar bill comparison is a good way to tell what you’ll need: if a dollar bill is bigger than the crack, then a repair is the likely option. Anything bigger, and you should expect to get the replacement.

Does My Auto Insurance Cover the Crack?

If you have comprehensive coverage, then you are more than likely going to be covered. You’re probably going to have to pay a deductible for the following procedure. Meaning if your repair costs $499, and your deductible is $500, you’re going to have to pay for the repair out of pocket.

Your windshield is a crucial part of your car which protects you from the dangerous elements that lurk just beyond. For all of your auto insurance needs in California, including coverage for your windshield, contact Stromsoe Insurance Agency.

Leave a Reply

Your email address will not be published. Required fields are marked *