Navigating Windshield Warranties and Insurance: A Guide for Consumers

Manufacturer warranties only cover defects in materials and workmanship, such as spontaneous stress cracks or faulty factory seals. They never cover damage from external impacts like rocks, hail, or accidents. For impact damage, you need comprehensive auto insurance.

Comprehensive coverage pays for windshield damage from non-collision events like flying rocks, falling objects, hail, vandalism, and animal strikes. Collision coverage applies when windshield damage occurs during a collision with another vehicle or stationary object. Both are optional coverages.

Three states mandate insurers waive comprehensive deductibles for windshield replacement: Florida, Kentucky, and South Carolina. Five additional states require insurers to offer optional full glass coverage with zero deductibles: Arizona, Connecticut, Massachusetts, Minnesota, and New York.

Yes, if windshield replacement is a covered claim, ADAS calibration should be covered as an integral part of the repair. However, some insurance adjusters push back on calibration costs. Reputable shops document the manufacturer mandate and pre-authorize calibration to ensure coverage.

It depends on your deductible. If the repair cost is less than your deductible, pay out-of-pocket. However, many insurers voluntarily waive deductibles for repairs (versus replacements) because repairs are cheaper. Contact your insurer to verify your specific policy coverage.