Services
Does Insurance Cover Windshield Replacement? Comprehensive Coverage Explained
Does Comprehensive Insurance Cover Windshield Replacement? What’s Covered
Comprehensive auto insurance is the part of a policy that typically covers non-collision damage-flying debris, storms, vandalism, falling objects, and similar events. Windshield damage most often falls into that category, which is why many drivers find that their insurer will cover repair or replacement when comprehensive coverage is active. Coverage does not always mean "free," though. Many policies apply a comprehensive deductible to a replacement claim, and your out-of-pocket cost depends on that deductible, your glass options, and whether your vehicle needs extra steps like ADAS camera recalibration after the new windshield is installed. Some insurers also steer customers toward repair when possible because a resin repair is less expensive than replacement and helps prevent a larger claim later. The best way to understand your situation is to check three items on your declarations page: (1) whether comprehensive is listed, (2) the comprehensive deductible amount, and (3) whether you elected an added glass option or waiver (wording varies by insurer and state). If you do not have comprehensive, windshield replacement is usually a cash-pay job unless another party is liable and their insurance is paying. If you do have comprehensive, the claim process is often straightforward, but it still helps to gather photos and vehicle details so your quote and authorization are accurate the first time.
Florida Windshield Coverage: $0 Deductible With Comprehensive (Windshield Only)
Florida is unusual because state law removes the deductible for windshield damage when a policy includes comprehensive (or combined additional) coverage. Florida Statute 627.7288 states that the deductible provisions of a motor vehicle policy providing comprehensive coverage "shall not be applicable" to damage to the windshield. In practical terms, if you carry comprehensive coverage on a Florida policy, a covered windshield repair or replacement is commonly processed with a $0 deductible for the windshield itself. Two important clarifications keep expectations realistic. First, this is a windshield rule, not a blanket "all glass" rule. Side windows, quarter glass, and back glass typically remain subject to your normal comprehensive deductible unless your policy includes a separate glass endorsement. Second, the law does not change what events are covered; it only addresses the deductible when comprehensive coverage applies. Your insurer may still confirm cause of loss (rock chip, storm, vandalism) and verify that the policy was active with comprehensive coverage at the time of damage. On newer vehicles, you may also see separate line items for items adjacent to the windshield-moldings, camera brackets, or calibration-and coverage for those items can vary by carrier and policy language. If you are unsure, a quick call to your insurer to confirm "windshield deductible in Florida" and "calibration coverage" will prevent surprises before you schedule service.
Florida generally treats windshield damage under comprehensive with a $0 deductible for the windshield itself, based on state deductible rules.
This is typically a windshield-only benefit; side and rear glass often still follow your normal comprehensive deductible unless you carry a glass endorsement.
Coverage details can still vary for adjacent items like moldings and ADAS calibration, so confirm those line items with your carrier before scheduling.
Arizona Coverage: Comprehensive + Optional Full Glass ($0 Deductible) for All Glass
Arizona is also different, but in a more "opt-in" way. Arizona Revised Statutes 20-264 requires insurers that write private passenger auto policies with comprehensive coverage to provide, at the option of the insured, complete coverage for repair or replacement of damaged "safety equipment" without regard to any deductible. The statute defines safety equipment broadly to include the glass used in the windshield, doors, and windows (and it can include other items such as lights). In plain language, Arizona insurers must offer a $0-deductible glass option, but you only receive the $0 deductible benefit if you selected that option on your policy. Carriers may label it as full glass coverage, a glass waiver, or a $0 glass deductible endorsement. If you did not elect it, windshield replacement is still usually covered under comprehensive, but your standard comprehensive deductible typically applies. Because policy wording varies, the safest approach is to look at your declarations page for a glass endorsement line or call your carrier and ask two direct questions: "Do I have the $0 deductible glass option under ARS 20-264?" and "Does it apply to all auto glass or only the windshield?" Once confirmed, the claim process is usually simple-you document the damage, choose a shop, and the insurer pays the covered amount, with your deductible set by the coverage you elected.
What Your Insurer Will Ask For: Photos, VIN, Location, and Vehicle Details
Most insurers ask for the same core information before they approve or reimburse a windshield replacement, and providing it up front is the fastest way to avoid delays. Expect to supply your policyholder name and contact details, the vehicle year/make/model, and the VIN (a clear photo of the VIN plate at the base of the windshield is ideal). They will typically ask where the vehicle is located and whether it is drivable, especially if you want mobile service. Photos are increasingly standard: a wide photo of the entire windshield showing crack location, a close-up of the impact point or damage area, and sometimes an interior photo showing whether the damage is in the driver's primary viewing zone. If the glass is missing or shattered, they may also ask for photos of the opening and any related trim damage. You should be ready to describe the cause of loss (rock strike, storm, vandalism) and the approximate date it occurred. Some carriers request odometer mileage, garaging ZIP code, and whether your vehicle has a forward camera behind the mirror, because that can trigger calibration requirements. If you already selected a shop, the insurer may ask for an estimate or invoice that lists the glass type and any calibration line item. The more complete your initial submission, the more likely you are to receive a quick authorization and an accurate, claim-aligned appointment.
Insurers commonly request policyholder info plus year/make/model and VIN, along with the vehicle location and whether it is drivable for mobile service.
Photos usually include a wide windshield shot, a close-up of the impact or crack, and sometimes an interior photo showing driver-view involvement.
Be ready to state cause and date of loss and note camera/ADAS features, because those details can trigger calibration requirements and estimate review.
Repair vs Replacement + ADAS Calibration: What Changes the Claim
What changes an insurance claim most is whether the damage qualifies for repair or requires replacement, and whether your vehicle needs ADAS calibration afterward. A resin repair for a small chip is usually the lowest-cost outcome; many carriers prefer it because it preserves the original factory windshield and reduces total claim severity. In some states and policies, the deductible treatment for a repair can be more favorable than a replacement, but rules vary-so do not assume. Replacement becomes the correct path when the crack is long, reaches the edge, branches, sits in the driver's primary view, or affects structural integrity. Once replacement is approved, newer vehicles often add a second technical requirement: calibration. If a camera behind the mirror supports lane keeping, adaptive cruise, or emergency braking, the system may need static calibration (targets in a controlled bay), dynamic calibration (a documented road procedure), or both. That step is not cosmetic; it is designed to restore the vehicle to pre-loss safety performance. Whether calibration is covered depends on your carrier and policy language, but many insurers treat it as a necessary part of the replacement when required by the manufacturer. To protect your claim, make sure the estimate clearly identifies the ADAS feature and the calibration method, and keep documentation showing the vehicle completed calibration without warning lights. Clear documentation prevents denials and avoids the risk of paying for a required safety step out of pocket.
Next Step: Book a Clean, No-Pressure Replacement With Bang AutoGlass (Next-Day)
If you want to move from "Is this covered?" to "Let's get it fixed," the next step is a clean, documented quote that matches your policy and your vehicle's exact equipment. Bang AutoGlass makes that easy: send a damage close-up, a full-windshield photo, and a clear VIN photo, and we will confirm whether repair or replacement is the right call and whether your vehicle is likely to need calibration. If you are filing through insurance, we can provide claim-ready documentation-glass type, labor scope, and any calibration line item-so your carrier can review quickly. If you are paying cash, you get the same transparency, with no pressure to choose the most expensive option; we simply explain what is needed for a safe, durable result. On the install side, we focus on the details that prevent repeat problems: proper pinch-weld prep, quality urethane bonding, fresh moldings when required, and leak and noise checks. We also provide clear safe-drive-away guidance based on the adhesive cure time that day. Scheduling is designed for real life, not long waits-next-day appointments are often available, and mobile service can be an option depending on location and weather. The goal is straightforward: restore clear visibility, keep your vehicle's safety systems performing correctly, and make the insurance or cash process simple from start to finish.
Services
Does Insurance Cover Windshield Replacement? Comprehensive Coverage Explained
Does Comprehensive Insurance Cover Windshield Replacement? What’s Covered
Comprehensive auto insurance is the part of a policy that typically covers non-collision damage-flying debris, storms, vandalism, falling objects, and similar events. Windshield damage most often falls into that category, which is why many drivers find that their insurer will cover repair or replacement when comprehensive coverage is active. Coverage does not always mean "free," though. Many policies apply a comprehensive deductible to a replacement claim, and your out-of-pocket cost depends on that deductible, your glass options, and whether your vehicle needs extra steps like ADAS camera recalibration after the new windshield is installed. Some insurers also steer customers toward repair when possible because a resin repair is less expensive than replacement and helps prevent a larger claim later. The best way to understand your situation is to check three items on your declarations page: (1) whether comprehensive is listed, (2) the comprehensive deductible amount, and (3) whether you elected an added glass option or waiver (wording varies by insurer and state). If you do not have comprehensive, windshield replacement is usually a cash-pay job unless another party is liable and their insurance is paying. If you do have comprehensive, the claim process is often straightforward, but it still helps to gather photos and vehicle details so your quote and authorization are accurate the first time.
Florida Windshield Coverage: $0 Deductible With Comprehensive (Windshield Only)
Florida is unusual because state law removes the deductible for windshield damage when a policy includes comprehensive (or combined additional) coverage. Florida Statute 627.7288 states that the deductible provisions of a motor vehicle policy providing comprehensive coverage "shall not be applicable" to damage to the windshield. In practical terms, if you carry comprehensive coverage on a Florida policy, a covered windshield repair or replacement is commonly processed with a $0 deductible for the windshield itself. Two important clarifications keep expectations realistic. First, this is a windshield rule, not a blanket "all glass" rule. Side windows, quarter glass, and back glass typically remain subject to your normal comprehensive deductible unless your policy includes a separate glass endorsement. Second, the law does not change what events are covered; it only addresses the deductible when comprehensive coverage applies. Your insurer may still confirm cause of loss (rock chip, storm, vandalism) and verify that the policy was active with comprehensive coverage at the time of damage. On newer vehicles, you may also see separate line items for items adjacent to the windshield-moldings, camera brackets, or calibration-and coverage for those items can vary by carrier and policy language. If you are unsure, a quick call to your insurer to confirm "windshield deductible in Florida" and "calibration coverage" will prevent surprises before you schedule service.
Florida generally treats windshield damage under comprehensive with a $0 deductible for the windshield itself, based on state deductible rules.
This is typically a windshield-only benefit; side and rear glass often still follow your normal comprehensive deductible unless you carry a glass endorsement.
Coverage details can still vary for adjacent items like moldings and ADAS calibration, so confirm those line items with your carrier before scheduling.
Arizona Coverage: Comprehensive + Optional Full Glass ($0 Deductible) for All Glass
Arizona is also different, but in a more "opt-in" way. Arizona Revised Statutes 20-264 requires insurers that write private passenger auto policies with comprehensive coverage to provide, at the option of the insured, complete coverage for repair or replacement of damaged "safety equipment" without regard to any deductible. The statute defines safety equipment broadly to include the glass used in the windshield, doors, and windows (and it can include other items such as lights). In plain language, Arizona insurers must offer a $0-deductible glass option, but you only receive the $0 deductible benefit if you selected that option on your policy. Carriers may label it as full glass coverage, a glass waiver, or a $0 glass deductible endorsement. If you did not elect it, windshield replacement is still usually covered under comprehensive, but your standard comprehensive deductible typically applies. Because policy wording varies, the safest approach is to look at your declarations page for a glass endorsement line or call your carrier and ask two direct questions: "Do I have the $0 deductible glass option under ARS 20-264?" and "Does it apply to all auto glass or only the windshield?" Once confirmed, the claim process is usually simple-you document the damage, choose a shop, and the insurer pays the covered amount, with your deductible set by the coverage you elected.
What Your Insurer Will Ask For: Photos, VIN, Location, and Vehicle Details
Most insurers ask for the same core information before they approve or reimburse a windshield replacement, and providing it up front is the fastest way to avoid delays. Expect to supply your policyholder name and contact details, the vehicle year/make/model, and the VIN (a clear photo of the VIN plate at the base of the windshield is ideal). They will typically ask where the vehicle is located and whether it is drivable, especially if you want mobile service. Photos are increasingly standard: a wide photo of the entire windshield showing crack location, a close-up of the impact point or damage area, and sometimes an interior photo showing whether the damage is in the driver's primary viewing zone. If the glass is missing or shattered, they may also ask for photos of the opening and any related trim damage. You should be ready to describe the cause of loss (rock strike, storm, vandalism) and the approximate date it occurred. Some carriers request odometer mileage, garaging ZIP code, and whether your vehicle has a forward camera behind the mirror, because that can trigger calibration requirements. If you already selected a shop, the insurer may ask for an estimate or invoice that lists the glass type and any calibration line item. The more complete your initial submission, the more likely you are to receive a quick authorization and an accurate, claim-aligned appointment.
Insurers commonly request policyholder info plus year/make/model and VIN, along with the vehicle location and whether it is drivable for mobile service.
Photos usually include a wide windshield shot, a close-up of the impact or crack, and sometimes an interior photo showing driver-view involvement.
Be ready to state cause and date of loss and note camera/ADAS features, because those details can trigger calibration requirements and estimate review.
Repair vs Replacement + ADAS Calibration: What Changes the Claim
What changes an insurance claim most is whether the damage qualifies for repair or requires replacement, and whether your vehicle needs ADAS calibration afterward. A resin repair for a small chip is usually the lowest-cost outcome; many carriers prefer it because it preserves the original factory windshield and reduces total claim severity. In some states and policies, the deductible treatment for a repair can be more favorable than a replacement, but rules vary-so do not assume. Replacement becomes the correct path when the crack is long, reaches the edge, branches, sits in the driver's primary view, or affects structural integrity. Once replacement is approved, newer vehicles often add a second technical requirement: calibration. If a camera behind the mirror supports lane keeping, adaptive cruise, or emergency braking, the system may need static calibration (targets in a controlled bay), dynamic calibration (a documented road procedure), or both. That step is not cosmetic; it is designed to restore the vehicle to pre-loss safety performance. Whether calibration is covered depends on your carrier and policy language, but many insurers treat it as a necessary part of the replacement when required by the manufacturer. To protect your claim, make sure the estimate clearly identifies the ADAS feature and the calibration method, and keep documentation showing the vehicle completed calibration without warning lights. Clear documentation prevents denials and avoids the risk of paying for a required safety step out of pocket.
Next Step: Book a Clean, No-Pressure Replacement With Bang AutoGlass (Next-Day)
If you want to move from "Is this covered?" to "Let's get it fixed," the next step is a clean, documented quote that matches your policy and your vehicle's exact equipment. Bang AutoGlass makes that easy: send a damage close-up, a full-windshield photo, and a clear VIN photo, and we will confirm whether repair or replacement is the right call and whether your vehicle is likely to need calibration. If you are filing through insurance, we can provide claim-ready documentation-glass type, labor scope, and any calibration line item-so your carrier can review quickly. If you are paying cash, you get the same transparency, with no pressure to choose the most expensive option; we simply explain what is needed for a safe, durable result. On the install side, we focus on the details that prevent repeat problems: proper pinch-weld prep, quality urethane bonding, fresh moldings when required, and leak and noise checks. We also provide clear safe-drive-away guidance based on the adhesive cure time that day. Scheduling is designed for real life, not long waits-next-day appointments are often available, and mobile service can be an option depending on location and weather. The goal is straightforward: restore clear visibility, keep your vehicle's safety systems performing correctly, and make the insurance or cash process simple from start to finish.
Services
Does Insurance Cover Windshield Replacement? Comprehensive Coverage Explained
Does Comprehensive Insurance Cover Windshield Replacement? What’s Covered
Comprehensive auto insurance is the part of a policy that typically covers non-collision damage-flying debris, storms, vandalism, falling objects, and similar events. Windshield damage most often falls into that category, which is why many drivers find that their insurer will cover repair or replacement when comprehensive coverage is active. Coverage does not always mean "free," though. Many policies apply a comprehensive deductible to a replacement claim, and your out-of-pocket cost depends on that deductible, your glass options, and whether your vehicle needs extra steps like ADAS camera recalibration after the new windshield is installed. Some insurers also steer customers toward repair when possible because a resin repair is less expensive than replacement and helps prevent a larger claim later. The best way to understand your situation is to check three items on your declarations page: (1) whether comprehensive is listed, (2) the comprehensive deductible amount, and (3) whether you elected an added glass option or waiver (wording varies by insurer and state). If you do not have comprehensive, windshield replacement is usually a cash-pay job unless another party is liable and their insurance is paying. If you do have comprehensive, the claim process is often straightforward, but it still helps to gather photos and vehicle details so your quote and authorization are accurate the first time.
Florida Windshield Coverage: $0 Deductible With Comprehensive (Windshield Only)
Florida is unusual because state law removes the deductible for windshield damage when a policy includes comprehensive (or combined additional) coverage. Florida Statute 627.7288 states that the deductible provisions of a motor vehicle policy providing comprehensive coverage "shall not be applicable" to damage to the windshield. In practical terms, if you carry comprehensive coverage on a Florida policy, a covered windshield repair or replacement is commonly processed with a $0 deductible for the windshield itself. Two important clarifications keep expectations realistic. First, this is a windshield rule, not a blanket "all glass" rule. Side windows, quarter glass, and back glass typically remain subject to your normal comprehensive deductible unless your policy includes a separate glass endorsement. Second, the law does not change what events are covered; it only addresses the deductible when comprehensive coverage applies. Your insurer may still confirm cause of loss (rock chip, storm, vandalism) and verify that the policy was active with comprehensive coverage at the time of damage. On newer vehicles, you may also see separate line items for items adjacent to the windshield-moldings, camera brackets, or calibration-and coverage for those items can vary by carrier and policy language. If you are unsure, a quick call to your insurer to confirm "windshield deductible in Florida" and "calibration coverage" will prevent surprises before you schedule service.
Florida generally treats windshield damage under comprehensive with a $0 deductible for the windshield itself, based on state deductible rules.
This is typically a windshield-only benefit; side and rear glass often still follow your normal comprehensive deductible unless you carry a glass endorsement.
Coverage details can still vary for adjacent items like moldings and ADAS calibration, so confirm those line items with your carrier before scheduling.
Arizona Coverage: Comprehensive + Optional Full Glass ($0 Deductible) for All Glass
Arizona is also different, but in a more "opt-in" way. Arizona Revised Statutes 20-264 requires insurers that write private passenger auto policies with comprehensive coverage to provide, at the option of the insured, complete coverage for repair or replacement of damaged "safety equipment" without regard to any deductible. The statute defines safety equipment broadly to include the glass used in the windshield, doors, and windows (and it can include other items such as lights). In plain language, Arizona insurers must offer a $0-deductible glass option, but you only receive the $0 deductible benefit if you selected that option on your policy. Carriers may label it as full glass coverage, a glass waiver, or a $0 glass deductible endorsement. If you did not elect it, windshield replacement is still usually covered under comprehensive, but your standard comprehensive deductible typically applies. Because policy wording varies, the safest approach is to look at your declarations page for a glass endorsement line or call your carrier and ask two direct questions: "Do I have the $0 deductible glass option under ARS 20-264?" and "Does it apply to all auto glass or only the windshield?" Once confirmed, the claim process is usually simple-you document the damage, choose a shop, and the insurer pays the covered amount, with your deductible set by the coverage you elected.
What Your Insurer Will Ask For: Photos, VIN, Location, and Vehicle Details
Most insurers ask for the same core information before they approve or reimburse a windshield replacement, and providing it up front is the fastest way to avoid delays. Expect to supply your policyholder name and contact details, the vehicle year/make/model, and the VIN (a clear photo of the VIN plate at the base of the windshield is ideal). They will typically ask where the vehicle is located and whether it is drivable, especially if you want mobile service. Photos are increasingly standard: a wide photo of the entire windshield showing crack location, a close-up of the impact point or damage area, and sometimes an interior photo showing whether the damage is in the driver's primary viewing zone. If the glass is missing or shattered, they may also ask for photos of the opening and any related trim damage. You should be ready to describe the cause of loss (rock strike, storm, vandalism) and the approximate date it occurred. Some carriers request odometer mileage, garaging ZIP code, and whether your vehicle has a forward camera behind the mirror, because that can trigger calibration requirements. If you already selected a shop, the insurer may ask for an estimate or invoice that lists the glass type and any calibration line item. The more complete your initial submission, the more likely you are to receive a quick authorization and an accurate, claim-aligned appointment.
Insurers commonly request policyholder info plus year/make/model and VIN, along with the vehicle location and whether it is drivable for mobile service.
Photos usually include a wide windshield shot, a close-up of the impact or crack, and sometimes an interior photo showing driver-view involvement.
Be ready to state cause and date of loss and note camera/ADAS features, because those details can trigger calibration requirements and estimate review.
Repair vs Replacement + ADAS Calibration: What Changes the Claim
What changes an insurance claim most is whether the damage qualifies for repair or requires replacement, and whether your vehicle needs ADAS calibration afterward. A resin repair for a small chip is usually the lowest-cost outcome; many carriers prefer it because it preserves the original factory windshield and reduces total claim severity. In some states and policies, the deductible treatment for a repair can be more favorable than a replacement, but rules vary-so do not assume. Replacement becomes the correct path when the crack is long, reaches the edge, branches, sits in the driver's primary view, or affects structural integrity. Once replacement is approved, newer vehicles often add a second technical requirement: calibration. If a camera behind the mirror supports lane keeping, adaptive cruise, or emergency braking, the system may need static calibration (targets in a controlled bay), dynamic calibration (a documented road procedure), or both. That step is not cosmetic; it is designed to restore the vehicle to pre-loss safety performance. Whether calibration is covered depends on your carrier and policy language, but many insurers treat it as a necessary part of the replacement when required by the manufacturer. To protect your claim, make sure the estimate clearly identifies the ADAS feature and the calibration method, and keep documentation showing the vehicle completed calibration without warning lights. Clear documentation prevents denials and avoids the risk of paying for a required safety step out of pocket.
Next Step: Book a Clean, No-Pressure Replacement With Bang AutoGlass (Next-Day)
If you want to move from "Is this covered?" to "Let's get it fixed," the next step is a clean, documented quote that matches your policy and your vehicle's exact equipment. Bang AutoGlass makes that easy: send a damage close-up, a full-windshield photo, and a clear VIN photo, and we will confirm whether repair or replacement is the right call and whether your vehicle is likely to need calibration. If you are filing through insurance, we can provide claim-ready documentation-glass type, labor scope, and any calibration line item-so your carrier can review quickly. If you are paying cash, you get the same transparency, with no pressure to choose the most expensive option; we simply explain what is needed for a safe, durable result. On the install side, we focus on the details that prevent repeat problems: proper pinch-weld prep, quality urethane bonding, fresh moldings when required, and leak and noise checks. We also provide clear safe-drive-away guidance based on the adhesive cure time that day. Scheduling is designed for real life, not long waits-next-day appointments are often available, and mobile service can be an option depending on location and weather. The goal is straightforward: restore clear visibility, keep your vehicle's safety systems performing correctly, and make the insurance or cash process simple from start to finish.
Bang AutoGlass
Quick Links
Services
Service Areas
Makes & Models
Bang AutoGlass
Quick Links
Services
Service Areas
Makes & Models
Bang AutoGlass
Quick Links
Services