Getting a chip or crack in your windshield is never convenient. But the good news is your auto insurance might cover it.

At OTB Auto Glass, one of the most common questions we get is:

“Will my insurance pay for windshield repair or replacement?”

The answer? Yes, in most cases, if you have comprehensive coverage.
Let’s break down when insurance covers it, what to watch out for, and how the process works.

When Auto Insurance Covers Windshield Repair

Windshield repair or replacement is typically covered under comprehensive insurance, not basic liability.

What is comprehensive coverage?

Comprehensive coverage protects your vehicle from non-collision-related damage, such as:

• Rock chips or flying debris
• Vandalism or break-ins
• Hail or storm damage
• Animal strikes
• Falling objects (tree branches, etc.)

If you have this coverage, your windshield repair is likely covered.

What About My Deductible?

Here’s where it gets better:

Small Repairs = Often $0 Deductible

Many insurance companies will cover 100% of the cost of small windshield chip repairs, no deductible required, because it’s cheaper for them than a full replacement.

Replacements = Deductible May Apply

If your windshield needs full replacement, your comprehensive deductible may apply (commonly $100–$500).

However, at OTB Auto Glass, we may be able to:

• Waive up to 100% of your deductible, depending on your policy
• Help you file your claim, so there’s no stress on your end

When Insurance Doesn’t Cover It

You may have to pay out of pocket if:

• You only carry basic liability insurance
• The damage was from a collision (then collision insurance may apply)
• You’ve already claimed multiple glass incidents recently
• You’ve waived glass coverage to lower your premiums

Not sure if you’re covered? We can help you check, fast and free.

Does Filing a Glass Claim Affect My Premium?

In most cases, a glass-only claim does NOT raise your rates, especially if it’s the first one and your provider encourages repairs. However, this depends on your insurer, location, and claim history.

How OTB Auto Glass Helps With Insurance Claims

We make the process simple. Our team will:
– Review your policy to see if your repair or replacement is covered
– Handle the paperwork directly with your insurer
– Schedule mobile service at your convenience, at home or work
– Help you avoid out-of-pocket costs, when possible

Windshield Damage? Let Us Handle the Insurance.

Don’t let a chip turn into a crack, or stress about the cost. Let the experts at OTB Auto Glass fix it quickly, professionally, and often for free with insurance.