Should I use insurance to replace my windshield? a beginners guide

Picture this: You’re driving down the road and suddenly a small stone or road debris hits your windshield, leaving a chip or crack. This is a common scenario for many drivers. Now you may be wondering, “Should I use my insurance to replace my windshield?” In this beginner-friendly guide, we’ll explore the factors you need to consider when deciding whether or not to use your insurance for windshield replacement.

Should I use insurance to replace my windshield?

Chapter 1: Understanding Windshield Damage

Types of windshield damage Windshield damage can take many forms, including chips, cracks, and even broken glass. The severity and location of the damage plays an important role in determining whether repair or replacement is necessary.

Chapter 2: Insurance Coverage for Windshield Replacement

full coverage In many car insurance policies, windshield damage is covered under comprehensive coverage. However, coverage may vary depending on your policy and insurer. Comprehensive coverage typically covers damage caused by events such as accidents, vandalism, or falling objects.

Chapter 3: Factors to Consider

Consider the following factors when deciding whether to get insurance for windshield replacement:

1. Severity of damage

  • Small chips or cracks can often be repaired inexpensively, while significant damage may require complete replacement.
  • Insurance companies may have guidelines about what is eligible for repair or replacement.

2. Deductible

  • Check your insurance policy’s deductible, which is the amount you must pay before your insurance coverage begins.
  • If the cost of repair or replacement is less than your deductible amount, it may not be appropriate to file a claim.

3. Increase in premium

  • Making a claim can sometimes increase your insurance premiums.
  • Determine whether the potential increase in premiums outweighs the cost of repair or replacement.
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Chapter 4: Advantages and Disadvantages of Using Insurance

Benefits of using insurance

  • Reduction in personal expenses if damage is high.
  • Protection against unexpected and costly windshield repairs.

Disadvantages of using insurance

  • Possible increase in premium.
  • A deductible may be required to be paid.
  • Repairs for minor damage may not be covered.

Chapter 5: Insurance Options

1. Pay out of pocket

  • For minor damage or repairs that cost less than your deductible amount, paying out of pocket may be the most cost-effective option.

2. Repair or replacement

  • Consider getting small chips or cracks repaired as soon as possible to prevent them from spreading and requiring replacement.

Chapter 6: Making Wise Decisions

assess the damage

  • Carefully inspect the damage to your windshield and determine its severity.
  • Get repair or replacement quotes from reputable auto glass shops.

Contact your insurance company

  • Contact your insurance company to understand your coverage and the potential impact on your premiums.
  • Ask any questions you may have regarding the claims process.


Deciding whether or not to use insurance to replace your windshield is a choice that should be made carefully. Evaluate the severity of the damage, your policy’s deductible amount, and the potential impact on your premium. Sometimes it may be more cost-effective to pay for repairs out of pocket or opt for repair rather than replacement. Remember, timely action can prevent minor damage from turning into an expensive replacement.

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If you’re unsure whether you should use insurance for windshield replacement or need assistance with the claims process, consider contacting your insurance agent for personalized advice. They can provide you with the information you need to make an informed decision that suits your budget and situation.

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