Your car insurance policy may or may not cover a broken windshield depending on what state you live in and what type of coverage you have purchased. Some states require that drivers purchase comprehensive car insurance with a deductible that explicitly includes full windshield or glass coverage. Other states don’t require that windshield repairs or replacements are covered with full coverage car insurance policies at all.

A few states, such as Florida, require that broken windshields are included in the coverage for any comprehensive auto insurance policy regardless of what kind of deductible the insured driver has chosen. If you have purchased a full coverage policy from a car insurance company, it is possible that the policy covers a broken front windshield under the collision and comprehensive coverage. You will need to contact your insurance company and go over the details of your policy to find out what is covered.

Your windshield may be eligible for repair or replacement without a deductible in some cases, although this coverage will not apply to the rear windshield or any other windows on the vehicle. In any case, you must have full coverage car insurance for the company to cover the cost of repairing or replacing a windshield. Liability insurance will not cover the cost of windshield replacements or any other repairs.

If you aren’t sure whether your car insurance policy covers your windshield, and if so whether there is a deductible, you should be able to find this information in your policy documents. If you still aren’t sure, you can also contact your auto insurance company and ask for more information on exactly what your policy covers.