Car policy confusing? Ask Poli.
Do I pay a deductible for a cracked windshield?
Say a rock chips your windshield on the highway. That's usually a comprehensive claim, so your comprehensive deductible applies — unless your policy added glass coverage that lowers or removes it.
1. Highway drive
2. A rock kicks up
3. Chip on the glass
4. Now what?
What filed auto forms generally say
A cracked windshield is normally handled under comprehensive coverage, so the comprehensive deductible printed on your policy page applies unless something changes it.
Plenty of policies add glass coverage that lowers or wipes out the deductible for windshields. Some versions only do that if the glass can be repaired rather than fully replaced.
A few states require companies to offer glass coverage with no deductible at all, which is why the same company's policy reads differently from one state to the next.
Why your policy can still say something else
Whether you have that glass coverage — and whether it covers a repair only or a full replacement too — is printed on your own policy page and its list of extra pages.
Clauses to look for in your own document
- Part D — Comprehensive Coverage
- Deductible
- Full Safety Glass endorsement
- Declarations — Endorsements Attached
Auto policies differ. Upload yours and Poli will show you the actual clause.
Then ask Poli: “A rock cracked my windshield. What does my policy say?”
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PoliSays explains document wording. It is not an insurer, broker, or law firm, and nothing here is advice.