Can I use insurance to replace a windshield that was cracked by a not a fault thing? eg. heat on cold window?

if you have full coverage, most likely you have glass coverage (a lot of companies offer this as a default). as a result, yes you could. it would even be covered if you were at fault, that's what collision/comprehensive coverage is for. now, a fun fact: most insurance companies also have in their language that if the glass is repaired instead of replaced, you don't have to pay your deductible. read your policy or call your agent. additionally, there are a lot of states that have waiver of deductibles for glass (but some are glass type specific). Someone already mentioned Florida, some other states are Massachusetts (it is automatically no deductible irregardless if repaired or replaced for this entire state), Arizona, New York, Connecticut, South Carolina, and a couple other I can't seem to remember off the top of my head. The point is, read your policy. You may or may not have to pay your deductible and you can contact your agent to see how it will affect your rates. Weigh the facts and make your decision.Can I use insurance to replace a windshield that was cracked by a not a fault thing? eg. heat on cold window?
look at your deductible. get an estimate on how much it will cost. if the cost is below your deductible, then no you cant but if its above, then yes it can



but id suggest doing it on your own money. even the smallest claims can raise up yoru insurane 40 percent for three yearsCan I use insurance to replace a windshield that was cracked by a not a fault thing? eg. heat on cold window?
If you have glass coverage, you would pay the deductible and the balance would be paid by insurance.
Your rates will not go up if you go through your insurance unless you abuse the coverage. The windshield would be covered subject to your deductible, if you have one for glass.
Read your policy. If you have glass coverage you can, and there may or may not be a deductible amount to worry about.
If you live in the state of Florida, Insurance companies will replace the windshield at no cost to you and no deductible.



It is a Florida law...hope you live here.
If you have comprehensive coverage - yes. Your deductible may apply (depends on the laws of your state).
In New York glass is covered without having to pay a deductable that is if you have comprehensive insurance.
Yes u can claim it under ur comperhensive coverage. Just make sure u tell them a rock hit from the highway.