Does Car Insurance Cover Windshield Damage in NJ?

Windshield damage is more common than you might think, especially on New Jersey’s busy highways. Whether it’s a tiny chip or a full-blown crack, you might wonder: does my car insurance cover this? 

Understanding your coverage options and legal protections under New Jersey law is crucial for making an informed decision when filing a claim. Let’s break it down.

Does Car Insurance Cover Windshield Damage in NJ?

In New Jersey, whether your car insurance covers windshield damage largely depends on your coverage type. Two main types of coverage may apply:

1. Comprehensive Coverage
   This is the most common type of insurance that covers windshield damage. Comprehensive coverage protects you from non-collision-related damages, including vandalism, falling objects, and weather-related incidents like hail or storm debris. Without comprehensive coverage, you’d likely pay for the repairs or replacement out of pocket.
   
2. Full Glass Coverage
   Some insurers offer an optional add-on called full glass coverage. This covers windshield repairs and replacements without requiring you to pay a deductible. This add-on can be particularly useful if you live in a high-risk area for debris or road hazards. It can also save you from the financial burden of high out-of-pocket repair costs ranging from $200 to over $1,000 for high-end vehicles.

Key Tip: Check your insurance policy or speak with your agent to confirm whether you have comprehensive or full glass coverage. Knowing your coverage details in advance can help avoid surprises during claims.

NJ Insurance Requirements and Windshield Coverage

New Jersey mandates all drivers to carry a minimum amount of auto insurance, but this requirement doesn’t include coverage for windshield damage. Here’s what NJ law requires:

• Liability Insurance: This covers damages or injuries you cause to others but does not include any coverage for your own vehicle, including windshield damage.
  
• Optional Coverages: You’ll need a comprehensive or specialized glass coverage policy to protect your vehicle from non-collision damages, including windshield cracks.

While liability insurance is mandatory, comprehensive and glass coverage are optional. However, given the high traffic volume and potential for debris on New Jersey roads, these additional coverages can offer peace of mind and significant financial protection.

Did You Know? New Jersey is a no-fault state, meaning your insurance company generally pays for your damages, regardless of who caused the accident. However, windshield damage from road debris or weather may not fall under this rule. This distinction makes it even more important to have comprehensive or glass coverage if you frequently drive on highways or in areas with high construction activity.

Filing a Claim for Windshield Damage

If your windshield is damaged and your insurance policy covers it, here’s a step-by-step guide to filing a claim in New Jersey:

1. Document the Damage: Document the scene by taking clear photos of the damage. Include multiple angles to provide your insurer with a comprehensive view. This documentation will be crucial if there’s any dispute over the cause or extent of the damage.
   
2. Contact Your Insurance Provider: Notify your insurer as soon as possible. Be prepared to provide details about the incident, including when and where the damage occurred. Some insurers allow you to file claims online or through mobile apps, making the process quicker and more convenient.
   
3. Choose a Repair Shop: Many insurance companies partner with specific auto glass repair shops. Check if your insurer offers a preferred network or if you’re free to choose your own. An in-network repair shop may streamline the claims process and reduce out-of-pocket expenses.
   
4. Pay the Deductible: If you don’t have full glass coverage, you may need to pay a deductible. The amount varies based on your policy, but typically between $50 and $500. Full glass coverage, on the other hand, usually eliminates the deductible entirely.
   
5. Get the Repairs Done Promptly: Delaying repairs can worsen the damage, making driving more expensive and potentially unsafe. A small chip can quickly spread into a larger crack, compromising your windshield’s structural integrity.

Tip: New Jersey law prohibits insurance companies from using aftermarket or used glass for windshield replacements unless you consent. Always ensure your replacement glass meets safety standards and is installed by a certified technician to maintain the integrity of your vehicle’s safety systems.

Notable Statutes and Acts

New Jersey has specific statutes that protect consumers during the claims process. For example:

• NJSA 17:33A-1: This statute governs insurance fraud, ensuring that insurers and claimants adhere to honest practices during claims. Filing false claims or withholding information can lead to serious legal consequences.
  
• Consumer Fraud Act: Under this act, insurance companies are prohibited from engaging in deceptive practices, such as delaying claim approvals without valid reasons. This law ensures that claimants are treated fairly and promptly.

Common Causes of Windshield Damage in NJ

Windshield damage can occur under various circumstances, many prevalent in New Jersey due to its unique driving conditions. Common causes include:

• Road Debris: Gravel, rocks, and construction materials can be kicked up by other vehicles, causing chips or cracks.
  
• Weather Conditions: Hailstorms, heavy snow, and falling branches during storms can damage your windshield.
  
• Temperature Fluctuations: Rapid temperature changes, such as using hot water to defrost a frozen windshield, can cause cracks to form or expand.
  
• Accidents and Collisions: Even minor fender benders can damage windshields, especially if the impact occurs near the edges of the glass.

Consult with an Attorney

Windshield damage may seem minor, but disputes over insurance claims can escalate quickly. If your insurer denies coverage, offers an inadequate settlement, or delays the process, consulting with a personal injury attorney can make all the difference.

Whether you’re dealing with windshield damage or a full-scale car accident in New Jersey, hiring a car accident attorney can help you recover repair costs and navigate insurance claims efficiently

Don’t let insurance companies take advantage of you. Contact Rosengard Law Group or call us at (856) 284-6446 for a free consultation.