To Fix or to Replace?  The Insurance Dilemma of Cracked Windshields

To Fix or to Replace?  The Insurance Dilemma of Cracked Windshields

1: When to Repair or Replace Your Cracked Windshield

As a driver, navigating the unpredictable roads of New Hampshire can be quite a challenge. From icy winter highways to meandering countryside lanes, the Granite State offers a diverse array of driving conditions. Unfortunately, this diversity also increases the likelihood of encountering damage to your vehicle, with cracked windshields being a common issue. While a cracked windshield may appear minor at first glance, it can lead to significant problems down the road. The big question on many drivers’ minds is whether their auto insurance covers the cost of repairing or replacing a damaged windshield. In this guide, we will delve into the details of this auto insurance dilemma, offering helpful insights for those seeking clarity.

Before diving into the intricacies of auto insurance coverage, it’s essential to understand when a cracked windshield can be repaired and when it needs replacement. While the general rule is that small chips and cracks less than six inches in length can be repaired, other factors come into play. Let’s explore these considerations further.

2: Size and Location Matter

The size of the crack or chip is a crucial factor when determining whether a repair or replacement is necessary. Smaller cracks or chips are often reparable using specialized techniques that prevent the damage from spreading further. However, larger cracks may necessitate a full windshield replacement.

3: The Role of Location and Type of Damage

Where the damage is located on the windshield and the type of crack also play pivotal roles in the repair or replacement decision. If the damage obstructs the driver’s line of vision, compromises the structural integrity of the windshield, or extends through the entire glass pane, replacement is typically the recommended course of action.

4: Does Auto Insurance Cover Windshield Replacement?

Now that we’ve covered the basics of windshield repair and replacement, let’s turn our attention to auto insurance coverage. The good news for many drivers is that auto insurance policies often cover the cost of windshield repairs or replacements. However, the extent of coverage can vary depending on the type of policy you have.

5: Collision Coverage

If the damage to your windshield results from an accident, collision coverage is your go-to solution. This coverage typically pays for the cost of windshield replacement. So, if you’ve been involved in a car accident that led to a cracked windshield, your auto insurance should come to the rescue.

6: Comprehensive Coverage

Comprehensive coverage, on the other hand, handles damages caused by incidents other than collisions. This includes scenarios like a rock striking your windshield while you’re driving. If your windshield sustains damage from such non-collision events, comprehensive coverage should cover the cost of repairs.

7: Do You Pay a Deductible for Auto Glass Repair?

While the prospect of having your windshield repaired or replaced under your auto insurance policy is comforting, it’s essential to understand the potential costs involved. The presence and amount of a deductible can significantly impact your out-of-pocket expenses.

8: Full Glass Coverage

Some auto insurance policies offer “Full Glass” coverage, which means that you won’t have to pay any deductible for windshield repair or replacement. In this scenario, your auto insurance company covers the entire cost of the service.

9: Deductibles and Policy Terms

However, if your policy doesn’t include Full Glass coverage, you may be subject to a deductible. The specific deductible amount depends on the terms of your policy. For example, if your deductible is $500 and the repair cost is $1,000, you’ll be responsible for covering the initial $500, while your auto insurance provider will cover the remaining $500.

10: How to Get Auto Insurance Coverage for Windshield Damage

If your current auto insurance policy doesn’t include coverage for windshield damage, you have the option to add it at a relatively low cost. Investing in this coverage can be a smart move, as it can save you from significant out-of-pocket expenses in the event of windshield repairs or replacement.

11: The Affordability of Windshield Coverage

The average cost of adding windshield coverage to your auto insurance policy is quite reasonable, typically ranging from $10 to $15 per year. This small annual investment can prove invaluable when you find yourself facing unexpected windshield damage.

12: Contact Portsmouth Atlantic Auto Insurance and Hit the Road with Confidence!

At Portsmouth Atlantic Auto Insurance, we understand the importance of having the right coverage for your unique needs. Our team of trusted advisors is here to assist you, answering all your questions and helping you select the coverage that suits you best. With our support, you can enjoy the peace of mind that comes with protecting your vehicle and safeguarding yourself from unexpected out-of-pocket costs.

**: Getting a Quote for Auto Insurance

To get started on securing the auto insurance coverage you need, don’t hesitate to reach out to us. You can obtain a personalized auto insurance quote by contacting us at 603-431-4020 or emailing us at Our dedicated team is ready to assist you in making informed decisions about your auto insurance coverage.


In conclusion, dealing with a cracked windshield can be a daunting experience, but understanding your auto insurance coverage can ease the burden. Whether you need a repair or a replacement, your auto insurance policy may come to your rescue. Remember that the type of coverage you have and the presence of a deductible can affect your out-of-pocket expenses. Adding windshield coverage to your auto insurance policy is a cost-effective way to prepare for unexpected windshield damage. At Portsmouth Atlantic Auto Insurance, we’re committed to helping you navigate these auto insurance dilemmas so you can hit the road with confidence. Don’t hesitate to get in touch with us for a personalized quote and expert guidance on your auto insurance needs.

Contact Us today for Auto and Home solutions and learn more about how we can help. Give us a call at 603-431-4020, email at or fill out the form on this page to get started.

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