Will insurance pay to replace a windshield that has become so pitted and cloudy that it is hard to see if you have complete glass coverage?

Insurance Coverage for Glass

If you have complete glass coverage they should replace it but what I would do is throw a nice sized rock at it and make sure there's a spider crack and then they'll HAVE to replace it. Do that as a last resort though, tell them a truck kicked up a rock on the highway and cracked your windshield.

(This would be considered insurance fraud. You may or may not get away with it but it is still fraud. Knowledge of this to your insurance company would get your coverage dropped and make it difficult, or really expensive, to obtain new insurance. I would not suggest intentionally cracking the glass on your windshield for a few hundred dollars in out-of-pocket expenses. This is considered "wear and tear", which is never covered by insurance companies, rather than an "accident" or "ocurrence", which are covered by insurance companies.)

Here are more opinions and answers from other FAQ Farmers:

That depends, call and ask them if your policy would cover that. I don't think the coverage would replace a windshield simply because it is old. There should be some claims related event. And remember, there will be a deductible. Ask the glass company if they would waive or reduce that before scheduling a repair. A shop around if they will not work with you on reducing the deductible.

Probably not, even though it is a saftey issue it is not broken, but I would check with my agent. Some insurance companies are more lenient than others.

I am a insurance agent for a large company, our policies do not cover this because it is considered wear and tear over a long period of time. You would have to have a crack in the window and even then the comprehensive deductible would apply. You should not file a claim for something as minor as a window, paying out of your pocket will save your premium and record in the long run.

No comments: