It comes down to comprehensive coverage
In Pennsylvania, windshield and auto glass damage is covered under the comprehensive portion of your policy — not collision or liability. If you carry comprehensive coverage (most financed and leased vehicles are required to), your windshield is typically covered, subject to your deductible.
Will you pay a deductible?
Sometimes, sometimes not. For a chip or crack repair, many insurers waive the deductible entirely because a cheap repair prevents a costly replacement later. For a full windshield replacement, you generally pay your comprehensive deductible and insurance covers the rest. A few policies add optional full glass coverage that waives the deductible on replacements too — worth checking yours.
Does a glass claim raise my rates?
Comprehensive glass claims are generally treated as no-fault and are far less likely to affect your premium than an at-fault collision claim. Policies vary, so confirm with your carrier — but for most drivers, a windshield claim is a low-risk one to file.
We handle the paperwork
You don't need to fight with your insurer. Tell us your carrier and we'll verify your glass coverage, confirm your deductible, and bill them directly — so in many cases you pay little or nothing. This works the same whether you're in Center City, Northeast Philly, or the suburbs.
Frequently Asked Questions
Do I have to use the shop my insurance recommends?
No. In Pennsylvania you have the right to choose your own auto glass provider — your insurer cannot require a specific shop.
What if I only have liability coverage?
Liability-only policies don't cover your own glass, so you'd pay out of pocket. We'll still give you an honest, up-front price and can often repair rather than replace to keep it affordable.
Need a hand with your windshield? We offer same-day mobile repair and replacement across Philadelphia. Call (215) 918-7085 for a free quote.