Will Car Insurance Cover a Broken Window in Bloomington & Terre Haute, IN?
- AEAG Staff
- Oct 11, 2021
- 2 min read
📍 Serving Bloomington, Terre Haute & the Wabash Valley
A broken car window can happen for many reasons — vandalism, storms, an attempted break-in, or even road debris. The first question most drivers ask is:
“Will my insurance cover the cost?”
The good news is that many broken window incidents are covered under the right type of insurance. Here’s a clear breakdown of when you’re protected, what your deductible means, and how to file a claim if you need window repair or replacement.
Does Car Insurance Cover a Broken Window?
In most cases, yes — if you have comprehensive coverage.Comprehensive insurance typically covers damage that is not from a collision.
Comprehensive coverage usually pays for:
Broken windows due to vandalism
Break-ins or attempted theft
Storm or weather damage
Falling objects
Road debris breaking the glass
If you only carry liability insurance, window damage usually will not be covered.
What Types of Window Damage Are Covered?
Comprehensive policies commonly cover:
Shattered side windows
Broken rear windows (back glass)
Quarter glass damage
Windshield cracks or breaks
Damage caused during a break-in
If the damage is repairable, your insurance may even pay for a glass repair instead of full replacement.
If the window cannot be saved, your policy may cover a full replacement.
Will I Have to Pay a Deductible?
Your deductible depends on your specific insurance policy.
Typical scenarios:
You pay your comprehensive deductible, and insurance covers the remaining cost.
Some policies offer $0 glass deductible, meaning you pay nothing out of pocket.
If you have only liability coverage, you will pay the full cost yourself.
Many drivers are surprised at how affordable glass coverage can be — it’s worth checking your policy.
Filing a Claim for a Broken Window
Filing a claim is usually simple. Your insurance company will ask for:
Photos of the damage
Details about how it happened
A police report (if vandalism or theft occurred)
Your vehicle’s VIN and mileage
American Eagle Auto Glass works directly with all major insurance carriers, making the process fast and painless.
What If You Don’t Want to File a Claim?
Some drivers choose not to file a claim if:
The damage cost is less than their deductible
They don’t want a claim on their insurance history
They prefer to pay out of pocket for a quick repair
We can provide a transparent, accurate quote so you can decide what works best.
Fast Repair & Replacement in Bloomington & Terre Haute, IN
Whether your window was broken during a storm, a break-in, or by road debris, we offer fast repair and replacement throughout:
Bloomington, IN
Terre Haute, IN
The Wabash Valley