The windshield can be damaged by different factors such as flying road debris, hail etc. and there is no question about driving with a cracked or chipped glass, no matter how small it is, because it might cause further damage to the vehicle and the passengers.
The question that many drivers have is whether they will have to pay the windshield replacement from their pocket or it is covered by their car insurance. The answer depends on the type of policy they have.
If you want to be able to benefit from insurance coverage when you replace your windshield, you will need comprehensive coverage. This type of insurance is also known as “other than collision” coverage and includes vandalism, theft, glass damage, weather damage, damage caused by flying objects (e.g. flying pebble), fire etc. Also, keep in mind that you will be covered only if you already have comprehensive coverage when the incident occurs.
If you do not have this type of coverage, your windshield replacement will not be covered, with one exception: if someone else crashes into your car, you can use the liability insurance to repair your car (windshield included!).
Additionally, there is another optional insurance that saves you from paying a deductible for a windshield claim or glass claim in general, known as “Full glass coverage” or “Zero Dollar Glass Deductible”. It is not available in all states, but if you have it, your glass claim will be covered in full. Conduct a search for windshield replacement near me for the best prices in windshield replacement.