Does Florida Car Insurance Cover Windshield Replacement

Saturday, May 28, 2022

Do you ever wonder about your car insurance and what exactly it covers? Many drivers are unaware of what their insurance actually covers, and it’s not uncommon for drivers to be taken off-guard by an accident or break down only to realize that their insurance doesn’t cover what they needed. One of the most common uninsured damages is windshield damage, and you may be asking yourself “Does car insurance cover windshield damage?”

Does Car Insurance Cover Windshield?

picture of a car with a broken windshield

The answer to this question isn’t simple, as it depends upon your insurance provider and the state you live in. In some cases, you may have full coverage and be able to get your windshield repaired or replaced with no issues. However, you could also have a state that excludes windshield damage from both comprehensive and collision coverage, and you may be unable to get the damage to your windshield covered as part of your insurance policy.

The cost of replacing a cracked windshield can vary greatly, so if you’re looking for coverage, it’s best to consult your insurance provider. Some states do require insurance companies to offer glass coverage as an option. This option is usually offered as a separate type of coverage and must be purchased along with your regular coverage. It’s important to remember that glass coverage typically comes with a deductible, so if you need to replace your windshield, you’ll still have to pay a portion of the cost.

Does Car Insurance Cover Cracked Windshield?

picture of a car with a cracked windshield

If you’re in an accident and your windshield sustains any kind of damage due to the accident, the other person's insurance company may be responsible for the repair or replacement. However, they are only responsible if their driver caused the damage. Even if it was an accident, if the other driver wasn’t at fault, you’ll have to repair or replace your windshield through your own insurance carrier, assuming you have this type of coverage.

Many states have laws that require every driver to carry auto insurance that covers both collision and comprehensive damage. Comprehensive coverage is designed to cover all non-accident-related damage caused by a wide variety of events, including damage from storms, floods, and even flying rocks from other vehicles. Depending on your policy, this type of coverage could enable you to get your windshield fixed or replaced with no money out of pocket.

This coverage only applies if your car has sustained damage from an event that you had no control over. If you just left your car parked somewhere and a rock flew through the windshield, then your insurer may be willing to help out. But, if you were the one who threw the rock, then you’re out of luck.

It’s important to understand what type of coverage you have and to make sure you’re aware of all of the details of your policy. Be sure to familiarize yourself with the specifics of what your car insurance covers and contact your provider if you have any questions or concerns. Depending on the type of coverage you have, windshield damage could be covered, at least in part. It’s always worth checking for peace of mind.

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