Many drivers have experienced this situation—you’re driving when a stray rock or piece of debris suddenly hits your windshield, leaving a crack or chip behind. If this has happened to you, you’re likely wondering whether your auto insurance will cover the damage. At Keltner Insurance in Memphis, TN, we want to help you understand how your coverage works when it comes to windshield damage caused by road debris.

Comprehensive Coverage Is Key

The type of coverage you have on your auto insurance policy will determine whether or not windshield damage is covered. Typically, comprehensive coverage is what you’ll need in this scenario. Comprehensive coverage protects against non-collision-related damages, such as theft, vandalism, weather-related events, and damage caused by road debris. If you don’t have comprehensive coverage as part of your policy, the cost of repairing or replacing your windshield will likely fall on you.

Deductibles and Repairs

It’s worth checking your policy’s deductible for comprehensive claims. If your windshield repair or replacement costs less than your deductible, you’ll need to cover the expense out of pocket. However, some insurers offer policies that waive the deductible for windshield repairs, especially if the damage is minor and can be fixed without needing a full replacement.

Don’t Delay Repairs

Even small chips or cracks can quickly spread, turning a simple repair into a costly replacement. Addressing the damage promptly saves you money and ensures your windshield remains safe and functional.

If you’re unsure about your current coverage or want to explore options that include protection for windshield damage, contact Keltner Insurance in Memphis, TN, today. We’ll help you find the right policy to keep you covered on the road.