Is Windshield Damage Covered by Car Insurance?


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Category:  Car Insurance Policy

Does Car Insurance Cover Windshield Damage?
Windshield damage can be expensive, leaving you to wonder if your car insurance covers the windshield warranty. In many cases, windshield damage falls under comprehensive coverage. However, it's essential to understand the details of your policy and how a windshield warranty may vary from one service provider to another. Read on for more information about windshield warranties, what they cover, and whether windshield damage is typically covered by car insurance.

What Is Covered by Windshield Warranty Insurance?

Windshield warranties provide coverage for windshield repair or replacement when damage occurs. Depending on your specific policy, a windshield warranty may cover scratches and chips caused by road debris, rocks, branches, hail, and other hazards. It may also include coverage for windshield leaks and damage to the frame of your windshield. The types of coverage include:
  • Comprehensive Coverage 

If you are wondering whether there’s coverage for a broken windshield, then the answer is a ‘yes’. However, you should have comprehensive car insurance coverage. You don’t have to spend out of your pocket to repair any damages caused to the car’s windshield.   One thing that you have to keep in mind is that any damage to the windshield won’t be getting coverage if you already own basic 3rd party liability insurance. This particular insurance is essential and mandatory for car owners in India, and that might be the reason that your insurer won’t pay you.   In the event of a car accident where a third-party vehicle causes damage to your car's windshield, the other driver's insurance company is responsible for covering the repair costs, even if you don't have comprehensive insurance coverage. You can file a claim with the owner of the third-party vehicle, and if the claim is deemed valid, the cost of repairing or replacing your windshield will be paid for by the third-party insurer.

Factors That Affect Windshield Coverage

When it comes to windshield coverage, several factors can affect the type and amount of coverage you receive. These include:
  • The make and model of your car.
  • Whether your windshield is made with laminated or tempered glass.
  • Your deductible amount.
  • Any riders or endorsements on your policy.
  • How long have you been insured with the same insurer?
  By understanding these factors, you can better ensure that the right insurance covers windshield damage.   At AIS Windshield Experts, we offer windshield warranties that provide comprehensive windshield repair and replacement coverage. Contact your insurance policy provider today to learn more about our windshield repair options and how they can help protect your windshield.

How to File an Insurance Claim for Windshield Damage

Once you have determined that windshield damage is covered by your insurance policy or windshield warranty, filing a claim is relatively straightforward. The steps involved in the process include the following:  
  • Contact your insurer to report the windshield damage and begin the claims process.
  • Provide any necessary documentation regarding the windshield damage, such as photos, repair estimates, and other information.
  • Get your windshield repaired or replaced by a provider; approved by your warranty provider.
  • Submit the repair invoice to your insurance/warranty provider for reimbursement.
  At AIS Windshield Experts, we make filing windshield damage claims hassle-free and straightforward. We can help you navigate the claims process and get the reimbursement you're entitled to.


Windshield damage can occur at any time and is often not covered by standard car insurance policies. Windshield repair and comprehensive coverage helps provide protection for windshield repair or replacement costs in the event of an accident or other incident. Understanding the types of windshield coverage available and how to file a claim can help ensure that windshield damage will be covered and taken care of quickly. AIS Windshield Experts can help you find the best windshield repair for you, so contact us today to get started.

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