Does Insurance Cover Windshield Replacement in Alabama?

When the unexpected happens and your vehicle’s windshield sustains damage, the immediate concern often centers on cost and coverage. For Alabama residents, understanding whether their insurance will cover windshield replacement can alleviate much of the stress involved in getting their vehicle back in top shape. This blog aims to educate you about the specifics of windshield replacement coverage in Alabama and offer guidance on what to expect.

Understanding Your Policy Coverage

Auto insurance policies can vary significantly, and understanding your specific policy is crucial. In Alabama, insurance companies may offer several types of coverage that impact how windshield damage is handled.

• Comprehensive Coverage: This is the primary coverage you should have if you’re concerned about windshield replacement. Comprehensive insurance typically covers damage to your vehicle that isn’t caused by a collision, such as theft, vandalism, or weather damage. Consequently, many comprehensive policies include coverage for glass damage, including windshield replacement.

• Full Glass Coverage: While not always included in standard policies, it can be added to some plans. This add-on ensures that you won’t have to pay a deductible for windshield repairs or replacements. It’s wise to check with your insurer if this option is available, as it could save you money in the long run.

Important Considerations

When dealing with windshield damage, several factors should be considered when determining your course of action:

• Deductibles: Check your policy to see if there is a deductible for windshield replacement. Many comprehensive plans have a deductible that must be met before the insurance company covers any costs. In some cases, selecting a vehicle glass expert who offers deductible waivers can offset these costs.

• Insurance Providers: Each insurance company in Alabama will have its own provisions regarding coverage limits and deductibles for windshield replacement. It’s essential to contact your provider directly to understand the specific terms.

• State Laws: Alabama does not mandate insurance companies to waive deductibles for windshield replacement. Unlike states with “zero deductible” glass replacement laws, drivers in Alabama must rely on their policy terms or additional riders for coverage without out-of-pocket costs.

Steps to Take After Windshield Damage

If your windshield sustains damage, it’s crucial to act promptly to prevent further issues. Here’s a guide to help you through the process:

1. Evaluate the Damage

Before proceeding, assess whether the damage requires a complete glass replacement or if a repair might suffice. Cracks longer than a dollar bill or chips larger than a quarter often necessitate complete replacement.

2. Contact Your Insurance Company

Report the incident to your insurance provider immediately to understand your coverage. Provide them with comprehensive details about the damage and follow their guidance on approved auto glass repair shops.

3. Choose an Auto Glass Repair Shop

While some insurance companies have preferred vendors, you often have the right to select your own auto glass repair facility. Ensure the shop you choose is certified and complies with all safety standards.

4. Review Your Coverage

Ensure you’re fully aware of the costs involved, including any deductibles you’ll need to pay. If full glass coverage is not part of your policy, consider adding it for future peace of mind.



While windshields might seem like a minor part of your vehicle, they play a critical role in your safety by contributing to the structural integrity of your car. Understanding your insurance options in Alabama is essential to making informed decisions about windshield replacement. Ultimately, whether your windshield replacement is covered by insurance in Alabama depends mainly on your policy.

By familiarizing yourself with coverage details and exploring all available options, you can ensure that you’re protected against unexpected costs. Continually review and fully understand your insurance plan to avoid surprises, and consider consulting with your provider to optimize your policy for the best protection possible.

Do You Have Windshield Damage in the Greater Birmingham, AL Area?

If you have auto glass damage in Hoover, Homewood, Pelham, or Leeds, contact us at Always Low Price Auto Glass. We offer insurance claims assistance and have more than 20 years of experience in the auto glass and windshield repair and replacement business.