Does Insurance Cover Windshield Replacement in Texas?

What Type of Insurance Covers a Windshield?

Auto glass damage is covered under the Comprehensive portion of your auto insurance policy. Comprehensive coverage protects your vehicle from "acts of God" and things outside your control—like a rock flying off a dump truck on I-35W, hail storms, or vandalism. If you only have liability insurance, glass damage is generally not covered.

Will My Rates Go Up?

This is the most common question we get. The short answer is: No, your rates should not go up. Because auto glass claims fall under comprehensive coverage and are considered "no-fault" (you didn't cause the damage), insurance companies in Texas typically do not penalize you for filing a glass claim.

The $0 Deductible Glass Claim

Many insurance policies include a specific provision for auto glass that waives the comprehensive deductible, especially for rock chip repairs. Insurers would much rather pay $100 for a repair now than $1,000 for a replacement later. Even for full replacements, many drivers find they have a low or $0 deductible specifically for glass.

Texas Law: You Choose Your Shop

Insurance companies often have a "preferred network" of glass shops and may try to steer you toward a massive national chain. Texas law gives you the right to choose any auto glass shop you want. You are not required to use the shop your insurance company suggests. We work with all major carriers (State Farm, GEICO, Progressive, Allstate, USAA, etc.) and honor their pricing structures.

Is ADAS Calibration Covered?

Yes. If your vehicle requires ADAS camera calibration after a windshield replacement (which most modern cars do), the insurance company is required to cover the cost of calibration to restore the vehicle to safe, pre-loss condition. We include this in the claim automatically.

Step-by-Step Claim Process

1. Call Us First: We can look up your policy and verify your coverage and deductible.
2. We File the Claim: We contact your insurance provider's glass network on your behalf.
3. We Do the Work: We replace the glass and calibrate the cameras.
4. We Bill the Insurer: You only pay your deductible (if any). We handle the rest.