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If you don't have full coverage, you may be required to pay for the replacement out-of-pocket.<br><br>According to the state where you reside there is a possibility that you will be required to carry certain types of insurance for your car. Some states have laws that ban deductibles for repairs to windshields. However, other states have deductibles and others require that you pay one. Some auto insurers provide windshield replacement services without the charge for deductible. It's up to you decide if you'd like to participate.<br><br>Typically, replacement of windshields is covered by your auto insurance when you have comprehensive or collision coverage. Comprehensive coverage guards you against things beyond your control, such as theft, animals and damages caused by accidents. Collision insurance covers damage when the other driver was at fault.<br><br>No matter what type of windshield replacement you'll need, it is important to get an estimate prior to bringing your car to the repair shop. Your deductible is the amount that you will have to pay before your insurance company will cover the entire amount. A higher deductible will decrease the amount you have to pay, while a lower deductible will increase your premium. Your individual policies should be discussed with your agent.<br><br>The majority of cracked windshields are covered by comprehensive insurance. However, you must be aware that some insurance companies will only cover windshields that have edges or chips. This type of damage can get worse over time, and may result in the need of an entire replacement. 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