If you’ve recently experienced a chipped windshield or shattered side window, one of the first questions that comes to mind is: “Will my insurance cover this?” In Michigan, the answer isn’t always straightforward—it depends on your specific policy, the type of damage, and who’s at fault. In this article, we’ll break it all down so drivers in Brownstown, Taylor, Woodhaven, Trenton, Southgate, and surrounding areas know exactly what to expect when it comes to auto glass repair coverage.
Does Michigan Auto Insurance Cover Glass Damage?
Michigan is a no-fault insurance state, which means your own insurance typically pays for damages to your vehicle, no matter who caused the accident. However, when it comes to auto glass, coverage depends on whether you have comprehensive insurance.
- Comprehensive Coverage: This covers non-collision-related damages—like vandalism, theft, falling objects, or weather-related events. Most policies with comprehensive coverage will include auto glass repair or replacement.
- Collision Coverage: This typically doesn’t cover glass unless it was part of an accident.
- Liability-Only Policies: If you only carry the state-minimum liability, you’re likely not covered for any vehicle damage, including glass.
Pro Tip: If you’re unsure what’s included in your policy, check your insurance declaration page or contact your agent directly.
What Auto Glass Damage Is Typically Covered?
Comprehensive policies often include coverage for:
- Windshield cracks or chips
- Shattered side or rear windows
- Broken mirrors (in some cases)
- Glass vandalism or theft-related damage
Many Michigan policies will even cover chip repairs at no deductible, depending on the severity and location of the damage.
Should You File a Claim?
Filing a claim for auto glass repair may seem like a no-brainer—but here are a few things to consider:
✅ File a Claim If:
- The damage is extensive (like a completely shattered windshield)
- You have a low deductible
- Your insurer waives the deductible for glass repair (many do)
❌ Pay Out-of-Pocket If:
- The repair cost is under your deductible
- You’re trying to avoid potential premium increases
- The crack is minor and doesn’t obstruct your view
At The Collision Shop of Brownstown, we’ll help you assess your situation and decide whether a claim is worth filing. We can also communicate directly with your insurance carrier to speed up the process.
How to File a Glass Claim in Michigan
If you decide to file, here’s what the process typically looks like:
- Document the Damage – Take clear photos of the crack or broken glass.
- Call Your Insurance Company – Or file online through your provider’s claims portal.
- Choose a Repair Shop – You are NOT required to go with the insurance company’s “preferred shop.” You can choose a trusted local shop like us.
- Get Your Vehicle Fixed – We’ll handle the rest—including submitting paperwork and billing your insurer directly.
Why Choose The Collision Shop of Brownstown?
When it comes to auto glass repair and replacement in Brownstown, MI, we’ve been the trusted name for years. Here’s what sets us apart:
- We work with all major insurance companies
- Fast turnaround times—often same-day service
- OEM-quality glass used in all replacements
- Lifetime warranty on workmanship
- Free estimates and clear communication from start to finish
We proudly serve customers from Taylor, Trenton, Woodhaven, Flat Rock, Southgate, and all across Downriver Michigan.
Visit or Contact Us Today
Got a crack in your windshield or shattered glass after a recent accident? Don’t wait until it spreads or becomes a bigger safety hazard. Let us help you navigate insurance and get back on the road safely.
📍The Collision Shop of Brownstown
19810 Allen Road,
Brownstown, MI 48183
📞 (734) 479-6611
🌐 www.thecollisionshopbrownstown.com
Need auto glass repair in Brownstown or nearby? Call us today or stop by for a free estimate—we’ll even help you handle the insurance paperwork. Don’t let a crack become a costly problem!
