To check if your Michigan auto insurance covers windshield replacements, review your policy for comprehensive or glass coverage, then confirm details with your insurer. You can also have Save On Auto Glass check for you in minutes.
Driving with a broken or cracked windshield is dangerous. Your auto insurance might cover the cost of a repair or replacement. Learn more about getting a free windshield replacement. At Save On Auto Glass, we’ve been helping Michigan drivers navigate insurance claims since 1998. Learn how to find out if your policy covers windshield replacements and how we can often make the process completely free for you.
Why Coverage Matters for Windshield Damage
Windshield replacements can get expensive. Damage also usually happens in a matter of seconds (usually at the worst possible times). Customers from the Metro Detroit area come to us all the time with windshield damage. Damages are usually caused by stone chips from road debris, ice buildup in winter, or sudden temperature changes that make small chips crack across the glass.
Windshield replacements can be costly, especially for newer vehicles with built-in sensors and cameras. If your insurance covers it, you may pay nothing out of pocket. Some insurance companies cover windshield repair at 100% coverage with no deductible.
Did You Know: Most Save On Auto Glass customers don’t pay a dime thanks to deductible waivers and $0 glass coverage.
Understand Michigan’s Auto Glass Laws
Michigan does not have a “free windshield replacement” law. Whether you pay depends on your insurance policy and deductible. If damage blocks your view, an officer can stop you and issue a fix-it notice. Check your coverage early. You can fix the glass before it becomes a safety problem or a legal issue.
Should I Use Insurance to Replace My Windshield?
Many drivers wonder if going through insurance for a windshield repair is worth it. In most cases, comprehensive coverage or a glass coverage add-on will pay for windshield damage from things like road debris, storms, or vandalism.
In general, if the cost to replace your windshield is higher than your policy deductible, filing a claim usually makes sense. If the repair will cost less than your deductible, it’s better to pay for it yourself and skip the insurance claim.
Check if Michigan Auto Insurance Covers Windshield Replacements | Step-By-Step
It’s never a convenient time to have a broken windshield, but knowing if your insurance will cover the costs can help. If you find yourself with a broken windshield, here’s how to find out if your insurance will pay.
Step 1: Review Your Insurance Policy
Check your auto insurance policy documents. You can also call your provider and have a team member check on your terms for you.
You’ll want to check the following:
- If you have comprehensive coverage or not
- If you have glass coverage or a full glass coverage add-on
- If you have a $0 glass deductible
Tip: If you have only liability or collision coverage, your windshield is likely not covered unless you added a glass-specific option. You can also bring us your policy info, and we’ll read the coverage details for you. We’ve worked with all major Michigan insurance companies, so we know exactly what to look for.
Step 2: Call Your Insurance Provider
If you’re unsure about language, call your insurance company directly. You might still have some questions about your coverage. Check out some of the most common questions below.
- Does my policy cover windshield repair and replacement?
- Is there a deductible I’ll need to pay?
- Do I have $0 glass deductible coverage?
- Is OEM glass covered, or only aftermarket?
- Do I need to use an approved repair shop?
Keep a copy of these questions when you make the phone call, to have them on hand when you need them.
Step 3: Know the Types of Coverage
Each type of insurance handles glass damage differently. Comprehensive coverage usually covers non-collision damage like rocks or weather. Collision coverage usually applies if the glass was broken in a crash. Liability insurance won’t cover your windshield if you caused an accident. If you only have liability, you’ll need to pay out of pocket unless you add comprehensive or glass coverage. A glass add-on or $0 glass deductible can make the repair or replacement cost you nothing.
Skip the Steps and Let Save On Auto Glass Handle It
We have worked with Michigan insurers for more than 25 years. When you call, we start with a quick coverage check to confirm your benefits and whether your deductible can be waived. Next, we handle the claim with your insurance provider so you do not have to deal with paperwork. We schedule a same-day or next-day appointment, and mobile service is available if that is easier for you. Our certified technicians install OEM-quality glass and complete recalibration if your vehicle needs it. If your policy already has a zero glass deductible, you receive an instant rebate of up to $100.
Do you want to know if yours will be free? Contact Save On Auto Glass, and we will check your coverage in minutes.
What to Do if Insurance Doesn’t Cover Windshield Replacement
If your insurer will not pay for the repair, do not put it off. A cracked windshield is not just a cosmetic issue. Heat, cold, and rough roads make small chips spread. As the crack grows, your view gets worse and your risk on the road goes up. Fixing the damage early is usually the smarter money move. We repair minor chips and short cracks without replacing the whole windshield. Those quick repairs are faster and far less expensive than a replacement.
If you need help, call Save On Auto Glass. We can give you a clear cash price, talk through repair vs. replacement, and schedule same-day or mobile service across Metro Detroit.
Find the Best Auto Glass Repair in Metro Detroit, Michigan
Your insurance coverage can make the repair or replacement much more affordable. At Save On Auto Glass, we can help check if your insurance will pay for a windshield. We’ll check your policy, handle your claim, and provide expert service you can trust.
Call us today!