Will My Insurance Cover My Windshield Replacement in Georgia?

A crack in your windshield is much more than annoying—it’s downright dangerous. Even the smallest chip is a breach of your vehicle’s structural integrity. So, it stands to reason that repairing a damaged windshield should be a top priority.

If you live in Georgia and have windshield damage, you’re probably wondering if your insurance company will pay for it. In this blog, we’ll explain the types of coverage that apply and what Georgia law says. With this information, you'll be able to navigate your options confidently.

Understanding Insurance and Windshield Coverage

Several types of insurance cover different things. We’ve broken them down below:

• Comprehensive Insurance: This type of insurance covers windshield damage due to non-collision incidents like rocks, vandalism, and weather. It’s the most common type of coverage used for windshield replacement.

• Collision Insurance: This insurance covers your windshield if it’s damaged due to an accident you caused.

• Liability Insurance: This coverage won’t pay for windshield replacement on your vehicle since it only covers damage to others. By law, drivers can have liability-only insurance if they own their car outright. If your vehicle is still financed, you likely have comprehensive coverage.

Windshield Replacement Laws in Georgia

Some states require insurance companies to waive the deductible for windshield replacement, but Georgia is not one of them. However, some policies offer optional glass coverage or zero-deductible options for windshield repair and replacement.

While insurers must follow general consumer protection laws, they still have flexibility in what they include in their policies. In short, windshield replacement coverage in Georgia depends on the specific policy you’ve chosen.

Will I Have to Pay a Deductible for Windshield Replacement?

If you have a deductible that hasn’t been met, then yes. For example, if your deductible is $500 and the new windshield costs $300, you’ll be paying the full amount out of pocket. Contact your insurer and ask about “no-deductible” or “full glass” add-ons.

How to Make a Claim in Georgia

When you discover damage to your windshield, start by finding a reputable auto glass company. If you contact your insurance company first, they’ll likely refer you to a large corporate partner. A reputable independent auto glass shop can help you file the claim themselves.

Small, independent auto glass companies often work with all major insurance providers. You have the right to choose who replaces your windshield—not the insurance company. Big corporate providers may charge less, but they often prioritize volume over personalized service and convenience.

Click here to learn more about insurance claims assistance.

Paying Out of Pocket

If the cost of windshield replacement is less than your deductible, it might make sense to pay out of pocket. Every claim you make on your insurance can potentially increase your premium.

What Does Georgia Law Say About Driving with a Damaged Windshield?

Georgia law does not specifically prohibit driving with a damaged windshield. However, there is an obstruction law that applies if the damage blocks the driver’s view. In cases of severe damage, your vehicle could be considered “unsafe to operate” under Georgia law.

Do You Have a Damaged Windshield in Cobb, Fulton, or Cherokee Counties?

If your windshield is damaged, contact us at Wyndshyld Auto Glass. We’ve been providing certified windshield repair and replacement services in East Cobb, Roswell, Marietta, and Woodstock, GA for years. We offer both in-shop and mobile auto glass services, along with insurance claims assistance.