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Do you need full coverage insurance on a vehicle in order to have a cracked windshield replaced or will liability and PIP insurance cover it?


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Wiki User
2015-07-15 18:32:42
2015-07-15 18:32:42

Full coverage, minus the deductible.

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Does filing a windshield repair claim effect the my rates? Most insurance companies view windshield repair as preventive maintenance. If a chip is left unrepaired, it likely will crack out and lead to a costly windshield replacement. Most insurance companies waive deductibles for windshield repair. Windshield repair saves policyholders and insurance companies millions of dollars annually. However, we can't speak for every insurance company. How do I know if I will be covered for the repair? I will be able to tell you within minutes if you have the necessary coverage for windshield repair. On occasion, the insurance company will not be able to immediately verify coverage. As a general rule, a vehicle under 8 years of age is a safe bet. If you have more than liability insurance, coverage will usually pay for the repair. What insurance companies do you work with? We add new companies every day. We work with insurance's of all shapes and sizes. We only know of a handful of companies that choose not to waive deductibles on windshield repair. Will checking on my deductible or inquiring about windshield repair raise my insurance rates? Asking your insurance provider about your policy coverage and deductibles is generally not considered a claim. Will filing a windshield repair claim count towards my insurance policy? In many cases, insurance companies will not count windshield damage as a claim on your policy. What if I only have liability coverage? Because liability insurance only provides coverage for damages to another vehicle,windshield repair services are not covered under your liability policy. We offer multiple payment options including cash, checks, Visa, MasterCard, Discover and American Express. Will all insurance companies waive my deductible if my windshield is repaired rather than replaced? Many insurance companies cover windshield repair at 100 percent coverage with no deductible. We will be happy to help you with your questions regarding insurance coverage. Do I need to contact my agent or insurance company? We're experts at verifying coverage, filing the claim and handling all the paperwork. , We'll contact your insurance company and submit the claim on your behalf.

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My answer would be to take it to a professional. Contact your insurance carrier. If you have Comprehensive coverage, the windshield will more than likely be replaced at no cost to you. Replacing a windshield is not a DIY job.

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Unfortunately, there is nothing you can do with your insurance company. If you only have liability insurance, they do not pay anything to have your vehicle replaced.

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No. Their insurance will cover the damage to their vehicle, though they will not be happy about an unlisted driver being behind the wheel having an accident. If they have no physical damage coverage it will not be repaired or replaced.

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Yes, but I would advise against it. You would be setting yourself up for liability if the broken windshield cause the owner to have an accident. Spend the money to have it replaced. You may even get it done for free through your insurance. It will make the car worth more and you will recoup the price of the windshield when you sell the car even if you have to pay for the repair yourself.


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