Driving safely means having a clear view of the road, and your windshield is a big part of that! But sometimes, accidents happen, and your windshield might get cracked or damaged. Luckily, Auto Glass Repair and Windshield Replacement can help fix these problems. The good news is that your car insurance might cover some or all of the costs for these repairs. Let’s look at how this works and what you need to know!

How Does Car Insurance Cover Windshield Damage?

If your windshield gets damaged, your auto insurance might help you pay for the repairs or a new windshield. But, how much they cover depends on your insurance policy and where you live. Here are some important things to know:

Comprehensive Coverage

Most of the time, windshield damage is covered by the comprehensive part of your auto insurance. This part of your insurance helps pay for things like theft, vandalism, and natural damage like hail or falling branches. If you have this kind of coverage, it can help with windshield repairs or windshield replacement.


Before your insurance starts to help, you might have to pay a part of the cost yourself called a deductible. This is the amount of money you have to pay before your insurance covers the rest. Different insurance plans have different deductible amounts, so you need to know how much yours is.

State Laws and Regulations

Insurance rules can be different depending on where you live. In some places, insurance must cover windshield repairs without you paying a deductible. In other places, you might still need to pay part of the cost. Check your state’s laws or talk to your insurance company to find out what applies to you.

Repair vs. Replacement

Sometimes, windshield repairs are enough for small cracks or chips. Insurance companies often prefer repairs because they are cheaper than a windshield replacement. If the damage is too big or affects the windshield’s strength, you might need a full windshield replacement in Tempe.

Coverage Limits

Your insurance policy might have limits on how much they will pay for windshield repairs or windshield replacement. Check your insurance documents or ask your insurance provider about how much they will cover and any limits or special rules that might apply.


Tips for Using Your Auto Insurance for Windshield Repairs or Replacement in Tempe


  • Check Your Policy: Look at your insurance policy to see if it covers auto glass repair or windshield replacement and find out what your deductible is.
  • Contact Your Insurance Company: If you’re not sure about your coverage, call your insurance company and ask them for details.
  • Consider Your Deductible: Think about whether it’s worth it to file a claim based on how much you’ll have to pay versus how much insurance will cover.
  • Act Quickly: If your windshield is damaged, get it repaired or replaced soon. Waiting too long can make the damage worse.