Texas Insurance and Windshields

In the state of Texas, determining who pays for a windshield replacement ultimately depends on your insurance coverage, just like any other damages to your vehicle are covered.

In Texas, who pays for windshield replacement?

When you’re protected with comprehensive coverage, windshield damages that are caused by any of the non-collision events included in your policy should be covered by your insurance. However, this is only the case once you’ve paid the deductible set by your provider. This also applies to collision coverage; with either of those coverages, once you’ve reached your deductible, your insurance company will cover the entire cost of your vehicle’s windshield replacement. 


For anyone who only has minimum coverage, if the damage to your windshield doesn’t meet the criteria required to file a claim, and if you’re not able to prove that another driver was responsible for the damage, you will be responsible to pay the full amount of the installation out of pocket. On average a new windshield runs somewhere between $200 – $800, but the total cost is dependent on several different variables. For example, when determining how much your new windshield will be, the installer will look at things like the make and model of your vehicle and the technology that’s built into your glass. The price is much less if your windshield only requires rock chip or crack repairs, in that case you’d pay somewhere between $50 to $200.


Does Texas law require auto insurance coverage for windshield repair?

Texas does not require insurance coverage for windshields. You will need either comprehensive or collision coverage in order for the insurance company to pay for windshield repairs and replacements, BUT drivers are not required to have these coverages in the state of Texas. 


Texas drivers are only required to carry two types of insurances, these include bodily injury liability and property damage liability. Below we’ll summarize each.


What is Bodily Injury Liability? If you are responsible for an accident while driving, this type of insurance pays for the medical expenses of anyone else who is injured (not including yourself) in the accident. This coverage also helps with the costs associated with legal defense in the event you are sued for damages.


What is Property Damage Liability? In the event of an accident, this type of policy covers the costs associated with any repairs or damages caused to another person’s vehicle or property. This coverage does not pay for damages to your own vehicle if you are found to be at fault for the accident.


Have questions regarding your insurance policy and how much it will cost you to have your windshield repaired or replaced? Give us a call today at 281-807-1488, our team is happy to answer all your questions and get your auto glass repaired so you can safely get back on the road in no time.

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