Does Your Insurance Policy Cover Sunroof Glass Damage or Breakage

If your insurance policy covers sunroof glass damage or breakage, it's essential to know the specifics.

Typically, comprehensive coverage includes damage to glass components, including sunroofs. However, some policies may have exclusions or limitations for certain types of glass damage.

The extent of coverage can vary depending on your insurance provider and the type of policy you have.

Most auto insurance policies cover sunroof glass damage, but only as part of the comprehensive coverage.

Comprehensive coverage includes the sunroof, side windows, and windshield, so if your sunroof gets damaged, your insurance policy will cover it. This type of coverage includes damage caused by various factors, not just accidents.

You'll file a claim for damaged glass under your comprehensive coverage, which only covers glass damage. This means you won't have to worry about paying for repairs or replacements out of pocket.

Collision coverage, on the other hand, covers the vehicle's body damage, so if your car and sunroof were damaged in an accident, the car would be covered under collision coverage, while the sunroof would be covered under comprehensive coverage.

Sunroof repair and replacement can be a costly affair, especially if you're not prepared. The average cost to replace a manual pop-up sunroof ranges from around $250 up to $750, including parts and labor.

If you have a comprehensive policy or choose the auto glass protection add-on, your auto insurance may cover sunroof glass repair or replacement costs. This is because comprehensive insurance covers the repair of small chips and cracks and replacing any glass on the vehicle.

Vandalism, accidents, falling objects, and other incidents can easily damage a sunroof, allowing water and moisture to enter the vehicle if it gets stuck in the open position. The make and model of the vehicle can also affect the cost because of any modifications or special requirements needed to make the sunroof fit and operate properly.

If a collision or another motorist causes sunroof damage, the other driver's liability insurance could cover the vehicle's sunroof repairs. It's worth asking your auto insurance provider to learn more about your plan and what's covered.

Most auto insurance policies don't cover sunroofs as a single item, but they are usually insured by the comprehensive coverage of the policy. Comprehensive coverage includes the sunroof, side windows, and windshield.

Claims for damaged glass are always filed under your comprehensive coverage, which only covers glass. Even mirrors and headlights, which are made from glass, are not included in the insurance policy.

If the sunroof and the car were damaged in an accident, the automobile would be covered under collision coverage, while the sunroof would be covered under comprehensive coverage. Some insurance companies offer specific auto glass policies that can decrease or eliminate the need to pay a deductible.

Comprehensive insurance covers the repair of small chips and cracks and replacing any glass on the vehicle, including the sunroof. This means that if your sunroof is damaged, you'll likely need to file a claim under your comprehensive coverage.