The short answer
Windshield replacement is often covered under comprehensive auto insurance, sometimes with a lower or waived deductible if you carry a glass-specific endorsement. Coverage decisions are made by your carrier — we help you present the claim.
Which coverage type applies
- Comprehensive coverage: The typical path for glass claims.
- Full-glass endorsement / rider: Reduces or removes the deductible for glass repairs.
- Liability-only policies: Do not cover your own vehicle's damage.
What we typically need from you
- Insurance carrier and claim number
- Vehicle year, make, model (VIN helps)
- Photo of the damage
- Whether you've already opened the claim
Repair vs. replacement and deductibles
In many policies, chip repairs are treated more favorably than full replacements — sometimes with no deductible. This is one reason to move quickly on small chips before they spread.
What we can and can't do
We can guide you through the process, provide accurate documentation, and coordinate with common insurers. We can't promise your insurer will cover a specific dollar amount. Coverage is between you and your carrier.
KD Auto Glass — Certified Auto Glass Technicians
Written by the team at KD Auto Glass in Ontario, CA. We've been installing windshields, calibrating ADAS, and helping local drivers with insurance claims since 2010.