Car door window smashed. Is it covered by insurance? | Chip Happens Auto Glass

Hey folks! This is Patrick from Chip Happens Auto Glass.

Welcome to another Q&A session where I answer questions from y'all on the internet.

Today's question is:

"Car door window smashed. Is it covered by insurance? | Chip Happens Auto Glass"

Answer

In most cases, yes — if you have comprehensive coverage, a smashed car door window is typically covered. However, many people now carry higher deductibles, which means it can sometimes be cheaper to pay out of pocket rather than filing a claim. On average, door glass replacement ranges from about $275 to $350, though prices can go higher.

It’s important to consider how filing a claim may affect your insurance rates long-term. Sometimes paying out of pocket makes more financial sense than risking a premium increase.

Summary

Patrick explains that comprehensive insurance usually covers door glass, but high deductibles may make paying out of pocket the better option.