Are Windshield Scratches Covered By Insurance?

Scratches, chipped, cracked, or smashed windshields are frequently covered by comprehensive car insurance. Repairs and replacements are frequently covered for damage caused by a variety of causes, such as:

Comprehensive insurance is your best hope for having repair work or new glass covered if the windshield was cracked by something other than an automobile accident.

Inquire with your car insurance carrier to make sure. Check to see if your policy covers car glass damage that isn’t caused by an accident, including windshield replacement.

Check Your Insurance Deductible

Many comprehensive insurance policies that include auto glass coverage have relatively large deductibles. Some insurance only apply the deductible to replacement windshields, not repairs. If you’re thinking about making a claim for windshield repair or replacement, make sure your deductible is less than the overall cost of the job.

Check to see if the insurance deductible for windshield replacement can be waived.

Process for Filing an Insurance Claim

To begin, submit a claim for the work as soon as possible. Your insurance company will then let you know if it is covered under your policy. To assess the extent of the damage, the agent may seek additional information or an inspection.

The next step is to locate a reputable auto glass repair shop. After the service is completed, you can also request reimbursement from your car insurance carrier.

How much does it cost to repair scratched windshield?

A $30 Diamondite glass cleaning kit can be used to fix damage like this that scrapes the windshield’s surface. When you run your fingernail across the surface of a crack, it is caught, necessitating the use of an auto glass repair company. The cost of this repair will range from $20 to $60.

Does car insurance cover scratched windshield?

If your windshield is broken by a rock or another object, comprehensive coverage may be able to help you replace or repair it. Comprehensive coverage also helps to protect against risks like fire, theft, falling objects, and hail. You may not have to pay a deductible for windshield repair if you have comprehensive glass coverage.

Should I replace my scratched windshield?

The majority of windshields nowadays are made of laminated safety glass. This type of glass is actually two sheets of glass sandwiched together with a plastic laminate in the middle. Windshields, unlike home windows, are designed to endure significant stress and impact (like a car crash). When your house is hit by a rock, your windows will shatter, but your windshield will normally merely chip or crack.

Scratches, chips, and cracks are the three most common types of windshield damage. The depth of damage to the glass is the main distinction between scratches, chips, and cracks.


Scratches are usually shallow and only impact the glass’s exterior layer. Windshield wiper blades that haven’t been replaced are a common reason. (When the rubber on the windshield wiper wears away, the metal wiper scrapes against the glass, leaving a mark that deepens over time.)

While scratches do not compromise the structural integrity of the windshield, they can be ugly and can reflect sunlight or oncoming traffic headlights, obstructing your visibility. Because this is a safety problem, we recommend that you have your windshield repaired.


Scratches are comparable to cracks, although cracks are more severe. They usually pierce at least the outer layer of the windshield’s glass, and they can appear anywhere on the glass, from the edge to the center. Flying debris, collisions, and even significant temperature fluctuations can cause cracks!

Because cracks are more harmful than scratches, they should be addressed straight away. This is because fractures can swiftly develop, obstructing your view and jeopardizing the structural integrity of your windshield.


When tiny bits of glass “flake off” from your windshield, it’s called a chip. When a small particle of material (such as gravel) strikes your windshield, it almost always causes damage. Chips exist in a variety of sizes and shapes: they can be small or large, with fissures radiating outward.

A chip may appear insignificant, but don’t ignore it: a chipped windshield is a damaged one, making it more susceptible to cracks.

Can a scratch be buffed out of a windshield?

When a scratch appears on your windshield, buffing or polishing is usually used to remove it. The scratch is rubbed or polished off with a metal compound. This can be done by hand or with a polishing instrument, depending on the size of the scratch. The polishing or buffing is limited to the afflicted region.

How do you fix a minor scratch on a windshield?

  • Step 1: Check the depth of the scratch with your fingernail. Scratch the scratched area of your windshield with your fingernail.

Can I claim insurance for scratch?

Imagine you’re in an embarrassing scenario where you’ve had a little accident and your automobile has been damaged. Despite the fact that you have a lot of auto insurance coverage, you still want to pay for the damages yourself. The prospect of a future increase in insurance premiums deters you from informing the insurance company about the accident. Is this the best strategy?

If your car was the only one involved in the collision, not reporting it to your insurance company makes logical. Let’s say you backed into a post and your automobile was damaged in the back. However, if the accident resulted in injuries, death, or property damage to a third party, the occurrence would not be considered “small” in the first place. This is when you must notify the insurance company about the incident. In a nutshell, little dents/scratches on the surface of your car do not necessitate filing a car insurance claim. In fact, it’s advisable not to file a claim in this situation because you could end up losing a lot of money.

What do you do when a rock hits your windshield?

A rock slamming into your windshield might be scary, dangerous, or at the very least inconvenient. Rocks hitting windshields cause a large percentage of car accidents, and the damage to your vehicle can be significant. Hopefully, you won’t face this problem this summer, but if you do, this blog will tell you what to do.

According to the American Automobile Association, the first step is to pull over and assess the vehicle for damage.

If you think you need help, stay cool and call a friend or family member.

Next, use transparent tape to keep the damaged area clean and dry.

Definitely avoid extremely hot or cold conditions, as well as car washes, until your windshield is restored.

These suggestions are quite valuable.

Extremely hot or cold temperatures, as well as water, encourage the damage to spread.

In most circumstances, we’ve discovered that vehicle insurance companies waive the deductible for windshield repair.

As a result, it’s possible that repairing the windshield will cost you nothing.

Whether you come to our shop or another, the safety of you and your car is paramount to us, and we highly advise against performing the repairs yourself and instead bringing it to a professional.

We may fix your windshield on the spot or you can bring it into our shop. Unless the chip in your windshield is directly in your line of vision, it might be repairable.

What states have free windshield replacement?

Florida, Kentucky, and South Carolina are the three free windshield replacement states, which eliminate the vehicle insurance deductible for windshield repair or replacement and are often referred to as free windshield replacement or zero deductible states.

However, you must pay for comprehensive insurance coverage as part of your auto insurance policy to submit a claim for your windshield, so this isn’t a completely free windshield repair.

Glass claims that do not require a deductible vary by state. Only windshields are exempt from the deductible in Florida, however all glass replacement is free in Kentucky and South Carolina.

Is my windshield cracked or scratched?

While it’s not always possible to identify whether the damage to your windshield is a scratch or a crack simply by looking at it, you can get a sense of what you’re dealing with by touching it. Scratches won’t grab a fingernail if dragged over them unless they’re really deep. You most likely have a scratch if you can run your nail over the mark and continue on a smooth route. If they’re shallow, they don’t impact the structural integrity of the glass, but they can reflect light and make it difficult to see while driving.

Cracks, on the other hand, will snag your fingernail. They do produce a weakness in the windshield, which can get worse if not addressed right away. Cracks and scratches reflect light, making it difficult to see properly when driving. They can also spread in response to temperature changes. If the inside pressure of the car is high enough, some fissures have been known to break windshields.