Does Car Warranty Cover Cracked Windshields?

Warranty coverage typically will not extend to cracked windshields that result from normal wear and tear; it might be wiser to consider purchasing comprehensive insurance that protects against theft, fire, vandalism and debris damage instead.

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With this form of coverage comes a deductible payment obligation.

What is a warranty?

Warranty agreements are promises made between sellers and buyers that a product will meet certain standards, usually including repairs or replacement in the event that it doesn't perform as promised. There are two kinds of warranties: express and implied. In the US, consumer warranties are covered under Magnuson-Moss Warranty Act as well as state law regulations.

New car warranties come in two varieties: powertrain and bumper-to-bumper. The powertrain warranty covers engine and transmission components while bumper-to-bumper warranties extend coverage to include power seats, onboard computers and navigation systems. Some manufacturers even provide corrosion warranties which cover damaged body sheet metal panels.

Warranties typically expire after several years or miles have been traveled, whichever comes first. While warranties can be extended at an additional cost, most do not cover routine maintenance, damage caused by abuse or accidents and damages unrelated to manufacturer design; any warranty repairs must be completed by an accredited repair facility to keep them valid.

Does it cover windshield damage?

Your windshield is an essential safety feature and must remain in good condition to keep you driving safely. Even small cracks could impair your vision and increase the risk of accidents; so if your windshield gets cracked it's essential that it be repaired immediately.

Your car warranty may cover damage caused by flying rocks or vandalism to your windshield; comprehensive coverage would generally cover this repair or replacement; however, any such claim would usually come with a deductible you would need to cover out of pocket.

Claiming windshield damage on your auto insurance can have a substantial effect on your rates, since insurers consider drivers with multiple claims higher risk and consequently increase premiums accordingly. So if you're switching insurance providers or want to lower your car insurance rates, wait until after repairs have been made to make a claim.

What is a deductible?

A deductible is the amount you must pay before your insurance company begins covering claims on an accident. Most car warranties don't cover windshield damage, while third-party policies may offer more forgiving policies. Once they review all evidence related to an incident, your warranty provider should recommend a specific repair shop to handle repairs.

If your windshield crack was caused by road debris, comprehensive or collision insurance might cover it; however, if it was due to manufacturing defect or usage-induced chips and cracks that resulted in daily usage, warranty coverage probably will not.

As soon as a windshield crack occurs, it should be repaired promptly to protect both vision and prevent accidents. In addition, police may pull you over for driving with cracked glass; should that occur, proof will need to be presented that your warranty covers such costs of repair.

What is a claim?

Cracked windshields require filing a claim with your insurance provider; similar to other forms of claims, providing evidence of damage will help expedite this process.

Your insurance policy can usually cover the costs of repairs or replacement if you have comprehensive coverage, which protects against non-accident events like vandalism, fallen branches and debris from roads.

Liability insurance covers you if a driver was responsible for an accident that resulted in damage to your windshield, provided you meet the minimum deductible requirement first.

Some warranties cover other components related to your windshield or rear window such as defogger mechanisms and radio antennae; check with the shop to see what their coverage entails and for how long.