{"id":3583,"date":"2026-06-15T15:38:53","date_gmt":"2026-06-15T20:38:53","guid":{"rendered":"https:\/\/www.lunains.agency\/?p=3583"},"modified":"2026-06-15T15:38:53","modified_gmt":"2026-06-15T20:38:53","slug":"is-a-cracked-windshield-covered-under-a-basic-auto-policy","status":"publish","type":"post","link":"https:\/\/www.lunains.agency\/es\/blog\/is-a-cracked-windshield-covered-under-a-basic-auto-policy\/","title":{"rendered":"Is a Cracked Windshield Covered Under a Basic Auto Policy?\u00a0"},"content":{"rendered":"<p>If you&#8217;ve ever come out\u00a0to\u00a0your car and found a rock chip or crack spreading across the glass, the immediate question that follows\u00a0is\u00a0whether or not\u00a0your\u00a0insurance\u00a0will cover it.\u00a0For Texas drivers, the answer depends on what type of\u00a0<a href=\"https:\/\/www.lunains.agency\/coverage\/auto-insurance\/\">auto insurance\u00a0coverage<\/a>\u00a0you carry.<\/p>\n<h2>What\u00a0a Basic\u00a0Auto Policy Covers in\u00a0Texas<\/h2>\n<p>Texas\u00a0generally\u00a0requires\u00a0drivers 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\u00a0you&#8217;re\u00a0only carrying the state-required minimums, a cracked windshield is typically an out-of-pocket expense.<\/p>\n<h2>When Coverage Steps In<\/h2>\n<p>Comprehensive coverage is the\u00a0portion\u00a0of an auto policy that typically covers windshield damage. This coverage\u00a0generally applies\u00a0when the damage results from:<\/p>\n<ul>\n<li>Rocks or road debris striking the glass<\/li>\n<li>Hail or severe weather<\/li>\n<li>Vandalism or falling objects<\/li>\n<li>Animal contact<\/li>\n<\/ul>\n<p>Comprehensive coverage is optional in\u00a0Texas, so it needs to be added to your policy. Check your policy for specifics on deductibles and any glass repair\u00a0provisions, since\u00a0these details vary by insurer.<\/p>\n<p>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.<\/p>\n<h2>Talk to an Agent Who Knows Your Options<\/h2>\n<p>Windshield coverage is one of those details\u00a0that&#8217;s\u00a0easy to overlook until you need it.\u00a0<a href=\"https:\/\/www.lunains.agency\/contact-us\/\">Contact Luna Insurance Agency<\/a>\u00a0to\u00a0review your current auto policy and make sure you have the protection that fits your needs.\u00a0We&#8217;re\u00a0proud to serve drivers throughout Texas.<\/p>\n<p><i>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.<\/i><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;ve ever come out\u00a0to\u00a0your car and found a rock chip or crack spreading across the glass, the immediate question that follows\u00a0is\u00a0whether or not\u00a0your\u00a0insurance\u00a0will cover it.\u00a0For Texas drivers, the answer depends on what type of\u00a0auto insurance\u00a0coverage\u00a0you carry. What\u00a0a Basic\u00a0Auto Policy Covers in\u00a0Texas Texas\u00a0generally\u00a0requires\u00a0drivers to carry minimum liability coverage, which pays for damage and injuries you [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":3587,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"%%post_title%%","_seopress_titles_desc":"If you've ever come out\u00a0to\u00a0your car and found a cracked windshield, the immediate question that follows\u00a0is\u00a0whether or not\u00a0your\u00a0insurance\u00a0will cover it.","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[37,1],"tags":[],"class_list":["post-3583","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance","category-blog"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.lunains.agency\/es\/wp-json\/wp\/v2\/posts\/3583","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lunains.agency\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lunains.agency\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lunains.agency\/es\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lunains.agency\/es\/wp-json\/wp\/v2\/comments?post=3583"}],"version-history":[{"count":0,"href":"https:\/\/www.lunains.agency\/es\/wp-json\/wp\/v2\/posts\/3583\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lunains.agency\/es\/wp-json\/wp\/v2\/media\/3587"}],"wp:attachment":[{"href":"https:\/\/www.lunains.agency\/es\/wp-json\/wp\/v2\/media?parent=3583"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lunains.agency\/es\/wp-json\/wp\/v2\/categories?post=3583"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lunains.agency\/es\/wp-json\/wp\/v2\/tags?post=3583"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}