Trying to figure out if your car insurance policy will cover windshield repair? If you’re hoping to have a repair or replacement paid for by insurance, you’ll want to make sure you have the right coverage first. 80% of drivers opt-in for comprehensive car insurance which means there’s a good chance you have it, but it’s always worth double-checking!

Thankfully, finding your policy can be done in just a few seconds or take a quick phone call. Here are the most common ways to check:

• Your insurance company’s mobile app
• An online portal
• Text/call

Find all the details about contacting your insurance company’s glass claim department with this blog: Does My Insurance Cover Windshield Repair?

What Does Comprehensive Car Insurance Cover?

Comprehensive car coverage is an optional add-on to your auto insurance policy that protects against non-collision-related damages, such as:

• Falling objects
• Theft or vandalism
• Natural disasters (e.g., hail, floods)
• Animal collisions
• Glass damage, including windshield cracks or shatters(

In Utah, comprehensive car insurance typically includes windshield damage. However, it’s important to note that Utah law allows insurance companies to charge a deductible for windshield replacements, unlike some states that mandate zero-deductible glass coverage.

Watch a Long Crack Windshield Repair from Chip Pro to See if Your Damage Looks Anything Like This

How to Check Your Coverage Using Mobile Apps

Before reaching out to your insurance provider, you can often verify your coverage details through their mobile app or online portal. Here’s how:

1. Download Your Insurer’s App
2. Log In to Your Account
3. Review Your Policy Details: Look for sections labeled “Coverage,” “Policy Details,” or similar to find information about comprehensive coverage and deductibles.
4. Check for Glass Coverage: Some insurers offer separate glass coverage or endorsements that may have different deductible terms.

If you’re unable to find this information, consider using the app’s chat feature or help section for assistance.

Check Your Coverage by Logging Into an Online Portal

To see if you have comprehensive car insurance online, start by visiting your insurance company’s website and logging into your account using your policyholder credentials (typically your email or username and a password). Once you’re logged in, navigate to the section labeled “Policy Details,” “Coverage,” or something similar.

Here, you should be able to see whether you have comprehensive coverage listed under your active auto policy. If the site has a document center or downloadable declarations page (often called the “dec page”), you can open that to view a summary of all your current coverages, including whether glass or windshield repairs are included and if there’s a separate deductible.

Do You Have an Agent? Shoot Them a Text

Some insurance agencies, like State Farm, provide you with a local agent who you can text for help and information. If you’re unsure if you have comprehensive car insurance or need to add glass coverage, send them a quick message and they can let you know what your policy covers.

Major Insurance Providers and Their Windshield Coverage

Here’s a quick overview of how some major insurers handle windshield damage:

• Progressive: Comprehensive coverage includes windshield repair or replacement. In some states, they offer a $0 deductible option for glass-only claims.
• GEICO: Offers glass coverage under comprehensive policies. They provide a streamlined glass claim service for quick repairs.
• Allstate: Comprehensive coverage may help pay for windshield repairs or replacements caused by non-collision events.
• USAA: If you have comprehensive coverage, it typically includes glass damage. You can check your policy details through their app or website.
• American Family: Allows you to file and track glass claims through the MyAmFam app.

Utah-Based Insurance Providers

For those insured with Utah-based companies:

• Bear River Mutual: If your vehicle has comprehensive coverage, you may be eligible for windshield repair at no additional cost. However, replacements are subject to your comprehensive deductible.
• Valley Glass: While not an insurer, Valley Glass collaborates with various insurance companies in Utah to assist with windshield repairs and replacements, handling claims efficiently.

Important Considerations

• Deductibles: In Utah, unless you have a specific glass coverage endorsement, you’re likely responsible for the comprehensive deductible when replacing a windshield. If you have a crack in your windshield and you think it needs to be replaced, it’s worth checking with Chip Pro, the only shop in Utah County that can repair cracks over a foot long, to see if you can get an insurance-covered repair instead of paying your deductible for a replacement.
• Multiple Claims: In Utah, frequent glass claims can lead to policy non-renewal but cannot raise your current rate.
• Repair vs. Replacement: Some insurers may waive the deductible for repairs but not for full replacements.

When to Contact Your Insurer Directly

If you’re unable to find if you have comprehensive car insurance through the app or online portal, or if you have specific questions about your policy, you can call the glass claim number for your insurer. We’ve compiled the direct number for most major US and Utah insurers here!

Confirmed Your Comprehensive Car Insurance? Let’s Schedule Your Repair!

At Chip Pro, we specialize in long crack windshield repair—saving you money and keeping you safe on the road. We come to you with no extra mobile fees, and we’ll even help you handle the insurance claim so it’s completely stress-free. Book your repair today and let us take care of the rest!

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