Does Car Insurance Cover Windshield Replacement In CT

Perhaps the vehicle ahead of you kicked up a stone that put a crack in your windshield and now you’re wondering what to do about it. Whether you’ve got a small chip or a crack that’s slowly creeping across your windshield, you will need to do something about it eventually, but what’s the right course of action?

Should you file a claim with your insurance carrier? Will your car insurance policy even cover the damaged glass? Can your car windshield be repaired, or will it need to be completely replaced? These are a few questions you may be contemplating after getting a cracked windshield.

Filing a Claim With Your Insurance Carrier

It’s usually in your best interest to contact your insurance carrier as soon as you know your windshield has damage. A small chip that can easily be repaired can quickly spread, causing more damage that could result in the need for a full windshield replacement. A representative will ask you some questions about how your windshield was damaged and where it was located at the time, as well as help you to determine if your auto policy will cover chipped or cracked glass.

Car Insurance That Covers Damaged Glass

If you carry comprehensive coverage with your car insurance policy, your carrier will most likely cover the cost to repair or replace your windshield, provided the damage resulted from a covered event. Keep in mind that your comprehensive deductible is typically going to be $500 (depending on what you selected at the time you purchased your policy). On the other hand, if you only carry liability coverage and the other minimum required coverages, you’ll need to pay for the repair or replacement costs yourself.

Again, if it’s a small crack or chip, it’s in your best interest to get your windshield repaired or replaced as soon as possible to prevent further damage and increased costs. The smaller the chip, the more likely it is that a repair can be made instead of a full replacement. Even if you don’t have comprehensive coverage to cover a windshield claim, you will want to speak with a local auto glass repair and replacement shop to help you determine if repair is an option for you, or if the crack is too large for a simple repair.

What Does Connecticut Law Say About Cracked Windshields?

Connecticut enforces a law that states drivers may not operate motor vehicles that have defected windshields that obstruct the view of the driver. Section 14-99f(b) of the CT motor vehicle code provides that no person shall operate a motor vehicle if the windshield is in a condition that interferes with an unobstructed view of the highway. Driving in CT with a damaged windshield that obstructs your view could result in a traffic infraction and may result in a fine.

Windshield Repair vs. Windshield Replacement

According to the National Windshield Repair Association (NWRA), there are specific guidelines to follow when determining whether a vehicle windshield should be repaired or replaced. Typically, if your windshield has a chip smaller than the size of a quarter it can be repaired. A repair can usually be made if your windshield is cracked and the length of the crack is less than three inches. Contact your insurance carrier immediately if you sustain a crack or chip in your windshield, in order to have the damage repaired. Keep in mind that your insurance carrier will have their own underwriting standard regarding windshield damage, which may vary depending on the carrier.

Final Thoughts on Car Insurance and Windshield Replacement

Cracks or chips can easily be repaired; however, waiting will increase the risk of further damage, which can result in the need for a full windshield replacement. Any time of the year will usually produce temperature variance with a significant difference in temperature inside your car compared to the outside of your vehicle; this difference in temperature may cause a crack or chip to become larger.

Explore your options with car insurance coverage, and don’t forget about your comprehensive deductible, which in most cases would be $500 (depending on what you selected at the time you purchased your policy). Some carriers offer a separate deductible specific to glass losses, giving you the option to have a lower out-of-pocket expense for windshield replacement. If you discover that your current insurance policy doesn’t provide coverage for a damaged windshield, it may be time to consider increasing your coverage, or making a switch to a different carrier altogether. 

Does your current car insurance carrier provide the coverage you need with rates you can afford? Explore car insurance discounts with the exclusive affinity programs that Plymouth Rock Assurance offers to CT drivers. Isn’t it time you partner with the car insurance carrier in Connecticut that offers great value and industry-leading service? Call Plymouth Rock today!

You can also read more information about coverage options or what can happen if you don't have insurance at all.