Does Car Insurance Cover Windshield Damage?

Whether the windscreen only has a minor crack or is entirely broken, it must be fixed immediately. Find out if your auto insurance covers a cracked windshield before heading to a shop. Continue reading to learn if you may submit a claim for this damage and if your car insurance will cover it.

Windscreen Damage Is Covered By Comprehensive Insurance 

Comprehensive insurance would cover a claim for windshield damage to your car. If you possess comprehensive auto insurance, it will pay for the windshield damage; however, if you have third-party liability coverage, it will not pay for damage to your vehicle.

Deductibles When Making A Windshield Damage Claim

A deductible is the portion of a repair you need to pay from your own pocket before your insurance takes care of the costs of the rest. Compare the price of repair or replacement with the deductible amount you will be needed to pay. It is only advisable to file a claim if the projected windscreen repair cost is within the deductible sum.

Damages to a windshield that are covered by a comprehensive policy include:

Your car’s windshield may sustain damage due to a collision or not. The injuries may result from artificial events like an accident, fire, vandalism, etc., or natural disasters like hail, floods, storms, etc. 

When a windshield is damaged, the procedure for filing a claim and what is covered are typically situation-specific. For instance, you must contact the police and file an FIR if your windshield has been vandalised before filing a claim for car insurance coverage with your insurance provider. 

How To File A Claim For A Damaged Windshield?

Contact your insurance provider immediately to start the claims procedure for your own damage coverage. Thanks to online insurance firms, it is now easier and less complicated to submit a claim. By logging in to their website or mobile app, you can start raising a claim. *

You can use a Cashless Claim by taking your automobile to a cashless garage (a garage that your car insurance company has a partnership with) when the company decides the claim is legitimate. You can fix it at a different garage if you choose to utilise something other than a network garage. In this scenario, you must pay out of pocket before submitting all necessary paperwork for a reimbursement claim.

Don’t Wait To File A Windshield Damage Claim

If the windshield has sustained only a slight crack, do not wait to have it fixed. A minor dent might become a break, making driving your car risky. Additionally, your policy only pays for a little chip to be repaired rather than replaced. In that case, you’ll be in a problem when the chip develops into a significant break, and you must return the windscreen. The less likely the chip may spread into a larger crack, the sooner you should have it fixed.

*Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.