How does auto insurance deal with a damaged windshield?
Comprehensive coverage pays to repair damage to your vehicle that is caused by things like theft, vandalism, flooding, damage resulting from wildlife encounters and natural disasters, wind, etc. It generally covers any damage except that which is caused by colliding with another vehicle or stationary object.
If windshield damage is covered, remember that with Comprehensive insurance, you have to first meet your deductible before your insurer will pay any claims. If your deductible is $500 and the cost to repair your windshield is $500, you’ll pay for this repair entirely out of your own pocket. If the repair costs are higher than your deductible, your insurance will most likely pay the balance of repair costs.
Comprehensive coverage is an optional coverage, meaning that you aren’t required to purchase it. And some drivers don’t. If you’re one of the many drivers without Comprehensive coverage, chances are your insurer won’t pay any part of the repair costs.