Is Windshield Replacement Covered By Insurance in California?

A windshield replacement can be an unexpected financial investment, which is why many drivers wonder if their insurance will cover the cost. While the answer depends on your insurance plan, it's important to understand your coverage options. Let’s break down everything you need to know before filing a claim for your windshield replacement in California.

Types of Coverage

Liability Coverage: In California, drivers are required to have liability coverage at a minimum. Liability insurance covers lost wages, medical expenses, and other costs for someone injured in a collision where you are at fault. Property damage liability covers any property damage you cause, including damage to other vehicles, fences, and mailboxes. However, this type of insurance does not cover windshield replacement.

Collision Coverage: Collision insurance covers damage to your vehicle, even if you are at fault. While this insurance is not required by law, it may be required by lenders. Collision coverage will only cover windshield replacement if the damage is due to an accident.

Comprehensive Coverage: Comprehensive insurance covers damage to your vehicle that is not caused by a collision, such as hail, hitting an animal, or vandalism. For example, if your windshield needs to be replaced due to a falling tree limb, comprehensive insurance should cover it.

Insurance Add-Ons

You can add coverage for various situations to your insurance policy. Some common coverage add-ons include:

Underinsured/Uninsured Motorist Coverage: This helps cover damages if you’re hit by an uninsured or underinsured driver, but it doesn’t typically cover windshield replacement unless the at-fault driver is identified.

Glass Coverage: This is essential if you want protection against windshield chips, cracks, and full replacements. Many policies include a zero-deductible clause for minor repairs (such as rock chips), but they may still require a deductible for full replacements. Check with your insurer to confirm what’s included in your glass coverage.

Overall, you can insure nearly every aspect of your vehicle, and several add-ons can enhance your coverage if needed. Understanding your auto insurance policy ensures you’re prepared in case of windshield damage.

Will I Need an ADAS Calibration?

ADAS (Advanced Driver Assistance Systems) technology consists of cameras and sensors, some of which are built onto your windshield. Even a one-degree misalignment in this system can result in an error of about twenty feet on the road, leading to inaccurate information and safety risks.

If your vehicle has features such as adaptive cruise control, automatic emergency braking, or lane-keep assist, you will need an ADAS calibration after your windshield replacement. This process may come with an additional cost and extend the replacement time, but it’s essential to keep you and your passengers safe. Additionally, skipping an ADAS calibration could void your warranty or prevent your insurance from covering your windshield replacement.

Will My Insurance Cover Mobile Windshield Replacement?

Yes! If your insurance covers in-shop windshield replacement, it will also cover mobile services. The same certified auto glass technicians who work in-shop will come to your location and replace your windshield with OEM or better-quality glass. The only difference is the location of service—you can enjoy the convenience of a mobile auto glass service without any issues when filing an insurance claim.

Need a Windshield Replacement in San Bernardino County, CA?

If you need a windshield replacement in Redlands, Loma Linda, Bloomington, Highland, or surrounding areas, Direct Quality Auto Glass is here to help! We provide high-quality windshield replacements and certified ADAS calibration to ensure your vehicle’s safety features function properly. Our experienced technicians will guide you through the insurance claim process, making it as stress-free as possible. For quick and reliable windshield replacement service, contact us today for a free quote!