Does Liability Insurance Cover Windshield Replacement?

Drivers will often wonder if liability insurance will pay for a windshield replacement. Let’s take a look at what type of coverage you can expect with this policy.

480-345-8990

GET A QUOTE

What Is Liability Car Insurance?

The goal of liability insurance is to protect you financially if you are proved to be at fault in an accident. This coverage will address expenses related to either damages or injuries you caused to other individuals or their property.

This does include bodily injury liability, which helps pay for any lost wages, legal fees, and medical costs for individuals impacted by the accident where you were at fault. Property liability will cover the costs to repair or replace any property you have damaged. This could include a building, fence, or vehicle.

Liability coverage will not, however, cover any damage to your vehicle, such as the windshield.

Will Liability Insurance Cover Windshield Replacements?

Oftentimes, comprehensive coverage will include windshield repairs and replacements. When damage occurs, a deductible generally applies to these claims. This means you’ll be responsible for an upfront payment before the insurer covers the rest.

For instance, if you have a $500 deductible and the repair costs $8,000 total, you’ll be responsible for $500 while the insurer covers the remainder. Some policies may come with “zero deductible glass coverage” or “full glass coverage” as add-ons.

Because of the costs, insurers are usually eager to cover small repairs over full windshield replacements. Many providers will cover the cost of minor repairs without a deductible. This ultimately encourages immediate attention to prevent the damage from spreading and even resulting in a needed replacement.

How To File A Claim

With either comprehensive coverage or specific glass coverage, initiating a claim will involve a few steps. The most important thing to do is contact your insurance provider immediately after the damage happens.

The majority of insurance providers will offer several ways to make a claim. Typically, this can be done through mobile apps, online portals, and phone calls. When reporting damage, be sure to provide your policy number, date and time of the incident, and a detailed description of how the damage occurred.

You will also need to report your vehicle’s make, model, year, and the location of said damage when filing a claim. In most cases, an auto repair shop can bill your insurance company directly for repairs and replacements.

T&S Auto Glass Offers Replacement Sunroofs and Moonroofs in Chandler