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Can My Car Insurance Pay For Windshield Replacement?

Car insurance typically covers the cost of repairs to your vehicle after an accident, but it generally does not cover the cost of routine maintenance or repairs. This includes replacing your windshield. However, some insurance companies may offer optional comprehensive coverage, including glass repair or replacement.

What Is the Coverage of Car Insurance?

Car insurance coverage is a broad term that refers to the various types of protection a car insurance policy can provide. The most common types of coverage are liability, collision, and comprehensive.

  • Liability coverage is the most basic type of protection required in most states. It covers the costs of damages caused by the policyholder to other people or property.
  • Collision coverage is optional in most states but is often required by lenders if the vehicle is being financed. It pays for damages to the policyholder’s vehicle caused by a collision with another vehicle or object.
  • Comprehensive coverage is optional but can protect against damages caused by events other than collisions, such as theft, vandalism, or weather.

Many other types of coverage can be added to a car insurance policy, such as medical payments, personal injury protection, rental car reimbursement, and roadside assistance. Each type of coverage has its benefits and drawbacks, so it’s important to understand what each one covers before choosing a policy.

What to Do If My Insurance Doesn’t Cover Windshield Replacement?

If you’re lucky, your insurance will cover the cost of windshield replacement. But you’ll have to pay for it yourself if you’re not. Here’s what to do if your insurance doesn’t cover windshield replacement.

First, check your policy to see if it has any provisions for windshield replacement. Some policies will cover the cost of replacement if the windshield is damaged by a covered event, such as a rock hitting the windshield. Others will only cover the cost if the damage is caused by a collision.

If your policy doesn’t cover windshield replacement, you have a few options. You can pay for the replacement yourself or try to get the cost covered by your insurance company.

If you decide to pay for the replacement yourself, you’ll need to find a reputable company to do the work. Be sure to get multiple quotes and compare prices before you choose a company. You should also get the company’s warranty in writing.

If you decide to try to get the cost covered by your insurance company, you’ll need to file a claim. Be sure to have all the documentation you need, such as the quote from the repair company and the warranty. You may also need a police report if a collision caused the damage.

If your insurance company denies your claim, you can appeal the decision. Be sure to have all the documentation you need to support your appeal.

No matter what you decide, get the repairs done as soon as possible. Driving with a damaged windshield is dangerous and could lead to further damage.


Whether or not insurance covers windshield replacement depends on the specific policy. Some insurance companies cover a windshield replacement cost, while others may only cover a portion. It’s important to check with your insurance company to see what is included in your policy.

If you need windshield replacement in Oklahoma, you can contact us at Best Choice Auto Glass. We offer windshield replacement, along with many other auto glass replacement services. Get in touch with us to learn more about what we can do for you.

Tulsa’s #1 Auto Glass Installation & Repair Company