Paying for a Broken Windshield

Answer:

Broken windshields and other glass are typically covered under the comprehensive coverage of an auto insurance policy. Comprehensive generally provides coverage for physical damage to your vehicle not caused by a collision with an object or another vehicle, but by a variety of other specific situations, such as fires, floods, or hitting a deer. So, if your windshield is broken but you don't have comprehensive coverage, the cost of replacing it will not be covered by your auto insurance. If you do have comprehensive, the cost probably will be covered, but to what extent depends on the details of your particular policy. Most drivers purchase comprehensive coverage with a deductible, in which case you would have to contribute a certain amount out of your own funds toward the cost of replacing your windshield. For example, if you have a $250 deductible, you'll end up footing half the cost when your $500 windshield breaks.