Do Windscreen Repairs Count As A Claim? | Insight

Yes, windscreen repairs usually count as a claim, but often differently than a typical collision or comprehensive incident.

A small chip on your windscreen can feel like a big headache. You might stare at that little star or bullseye, wondering if getting it fixed means calling your insurance company and triggering a full-blown claim.

It’s a common concern for drivers. Understanding how insurance companies handle these specific repairs helps you make smart choices for your vehicle and your wallet.

The Nitty-Gritty of Insurance Claims for Glass

When you spot a chip, your mind likely jumps to insurance. Most personal auto policies include comprehensive coverage. This part of your policy handles damage not caused by a collision, like theft, fire, falling objects, or, yes, windscreen damage from rocks.

Collision coverage, by contrast, steps in when your car hits another vehicle or object. Windscreen damage from a stray pebble on the highway falls squarely under comprehensive protection.

A “claim” simply means you’re asking your insurance company to pay for a covered loss. For windscreen damage, this typically goes against your comprehensive coverage.

Understanding Deductibles for Glass

Here’s where it gets interesting. While a standard comprehensive claim might require a deductible, many insurers treat windscreen repairs differently.