Does Car Insurance Cover Windshield Damage?

Comprehensive insurance helps to repair or replace a damaged windshield, subject to your deductible.

It happens. A car in front of you kicks up a rock that cracks your windshield. With comprehensive (other than collision) insurance, you may have coverage to repair the damage without any out-of-pocket costs. If you need to replace the glass, you will need to pay your deductible.

Can my damaged glass be repaired?

Cracks tend to spread, becoming more dangerous over time. Typically, damaged glass can be repaired when the crack is:

  • Less than six inches long,
  • Smaller than 1 inch in diameter,
  • Located outside the driver’s line of sight, or
  • Not located at the edge of the windshield

When does the deductible apply?

If you have comprehensive insurance, your adjuster may waive the deductible to repair the damaged glass. However, you would pay your deductible to replace the windshield.

NJM policyholders with comprehensive insurance can can report online (Personal Lines only) or by calling 1-800-367-6564.

The information and descriptions on this site are general in nature. The coverage afforded for a particular loss depends on the specific facts and the terms, exclusions, and limits of the actual policy. Nothing on this site alters the terms or conditions of any policy, as the policy controls coverage. Coverage options, limits, discounts, deductibles, and other features are subject to underwriting criteria, state availability, and effective dates. Coverage provided and underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.