How to Handle Glass Damage
Justin Sonon • August 14, 2025
Do you know what to do if your car has glass damage?
How to Handle Glass Damage for Your Vehicle: Coverage Options & Claim Tips
Whether it’s a rock kicked up by another vehicle or a sudden hailstorm, glass damage to your windshield or windows can be both frustrating and potentially dangerous. Knowing what to do next — and whether insurance will cover it — can save you time, money, and headaches.
Step 1: Assess the Damage
Not all glass damage is the same. A small chip may be repaired quickly and affordably, while a large crack often requires full replacement. Key things to consider:
Size and location: Small chips (less than the size of a quarter) are often repairable, but cracks that obstruct your line of sight or reach the edge of the glass may require replacement.
Spread potential: Temperature changes, road vibrations, and weather can cause cracks to grow rapidly.
Safety: If your visibility is compromised, avoid driving until repairs are made.
Step 2: Check Your Insurance Coverage
Glass damage coverage depends on the type of car insurance you carry:
Comprehensive Coverage – This is the most common policy that pays for glass repairs or replacement, often after you pay a deductible. Comprehensive also covers events like theft, vandalism, and natural disasters.
Full Glass Coverage – Some insurers offer a “zero-deductible” glass option, meaning you won’t pay out of pocket for repairs or replacement.
State-Specific Coverage – Certain states require insurers to offer no-deductible windshield replacement. Check your state’s regulations.
If you just carry liability insurance, glass damage typically isn’t covered, since liability protects against damage you cause to others — not to your own vehicle.
Step 3: Decide Whether to File a Claim
Filing an insurance claim isn’t always the best move. Here’s how to decide:
Repair Cost vs. Deductible: If repairs cost less than or only slightly more than your deductible, paying out of pocket might make more sense.
Impact on Premiums: While comprehensive claims don’t always raise rates, multiple claims in a short period could affect your premium.
Future Coverage Considerations: Too many small claims may flag you as a higher-risk driver.
Tip: Get a repair estimate first. Many glass shops will provide a free quote and even handle insurance paperwork for you.
Step 4: Act Quickly
The longer you wait, the more likely a small chip will turn into a large, unrepairable crack. Most repairs take less than 30 minutes and can often be done at your home or workplace.
Final Thoughts
Glass damage is a common and repairable part of vehicle ownership. By knowing your coverage, weighing the pros and cons of filing a claim, and acting quickly, you can keep your car safe and your wallet protected. Visit us online
to send a message or to request a meeting or quote.
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