Is a broken windshield covered by insurance?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 14, 2018

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Insurance Question from Charleston, SC

Asked on 11/14/2018

Is a broken windshield covered by insurance? Caught a rock from an 18-wheeler going to work the other night and it cracked my windshield. I understand that in South Carolina, insurance completely covers broken windshield. Is this the case?

Answer given on December 12, 2018

Unless So Carolina has special rules, your windshield damage will be covered if you carry comprehensive insurance.  the deductible for this is usually much lower than collision and it does not have an effect on your insurance rates. 

Check with your insurance agent or company and/or check your insurance policy to see if you have comprehensive insurance coverage.  There are many glass companies that have agreements with insurance companies and many times they will come to you to replace the windshield. You simply pay your deductible and they will bill your insurance company.  Sometimes they can repair the windshield, if the crack is small and not in your line of vision. If that is the case, the deductible can be waived.  Again, this depends upon your insurance coverage and insurance company.

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