Does Collision Insurance Cover Glass Damage?
Collision insurance is an optional coverage that insures against damages to your vehicle. This at-fault physical damage coverage reimburses you only for damages that are caused as a result of your collision with another vehicle or object. Though the coverage is not designed for glass repair, collision will repair glass damage to your vehicle under certain conditions.
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Collision Coverage
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If you hit another vehicle or object, your collision coverage will repair or replace your vehicle. You are required to pay your deductible first, and your vehicle will be insured only up to a percentage of its fair market value. The percentage is defined by your insurance carrier. If your collision damage includes shattered or broken glass, the cost of repairs will include the replacement of the glass. This includes damage to windshields, sunroofs and side mirrors, as long as they were damaged during the actual collision.
Comprehensive Coverage
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The majority of glass damage claims fall under comprehensive coverage. This coverage insures your vehicle against damage that is caused by fire, theft, acts of nature and animals. This includes glass damage that is caused by falling trees, flying rocks and thieves who break your windows and steal items from your car. Unlike collision, comprehensive coverage will repair your car's glass damage even if there is no other damage to the car.
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Deductible Costs
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Your insurance carrier will require you to pay a deductible for your glass repair. This applies whether you file a collision claim or a comprehensive claim. Some carriers provide comprehensive coverage options with zero glass deductibles. In this case, the carrier will repair your vehicle's glass damage with no deductible payment.
Considerations
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If you do not select, or have the option to select, a zero glass deductible, you could be responsible for paying most of the repair costs. Your insurance carrier will pay the amount of the glass damage repair less the deductible amount. Therefore, you should choose your claims wisely. For instance, if your glass damage repair totals $650 and you have a $500 deductible, the insurance carrier will pay only $150 toward the repair. The carrier will report the claim in your accident report, and that claim will remain on your report for five years. You always have the option to repair your own glass damage without filing a claim, so take your time to make the decision that is best for you.
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