Ask NJM

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 report a glass claim by calling 1-800-367-6564.

The content on this page is intended for informational purposes only. It is not an insurance policy, and does not, in any way, replace or modify the definitions and information contained in individual insurance policies. Terms and coverage availability may vary by state, and exclusions and deductibles may apply. Discounts also vary by state and may not be applied to all policy coverages. Coverage for an accident or loss is subject to the terms and conditions of the insurance policy applicable to a particular claim.