Is a Cracked Windshield Covered Under a Basic Auto Policy? 

If you’ve ever come out to your car and found a rock chip or crack spreading across the glass, the immediate question that follows is whether or not your insurance will cover it. For Texas drivers, the answer depends on what type of auto insurance coverage you carry.

What a Basic Auto Policy Covers in Texas

Texas generally requires drivers to carry minimum liability coverage, which pays for damage and injuries you cause to others in an accident. It does not cover damage to your own vehicle, including your windshield. If you’re only carrying the state-required minimums, a cracked windshield is typically an out-of-pocket expense.

When Coverage Steps In

Comprehensive coverage is the portion of an auto policy that typically covers windshield damage. This coverage generally applies when the damage results from:

• Rocks or road debris striking the glass
• Hail or severe weather
• Vandalism or falling objects
• Animal contact

Comprehensive coverage is optional in Texas, so it needs to be added to your policy. Check your policy for specifics on deductibles and any glass repair provisions, since these details vary by insurer.

If your windshield cracks because of a collision with another vehicle or object, collision coverage may apply instead. The two coverages work differently, and which one responds depends on what caused the damage.

Talk to an Agent Who Knows Your Options

Windshield coverage is one of those details that’s easy to overlook until you need it. Contact Luna Insurance Agency to review your current auto policy and make sure you have the protection that fits your needs. We’re proud to serve drivers throughout Texas.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.