Question: How do I know if my auto insurance covers my broken windshield?
Answer :
If you have other-than-collision (also known as comprehensive) coverage, you should be covered. That part of your auto policy covers you against losses due to such things as fire, water, and theft. Each peril is listed separately in the contract and is usually subject to its own deductible. Broken glass is covered but, unlike the other items covered under the other-than-collision portion of your policy, it typically comes without a deductible. Your auto insurance company should cover the entire cost of repairing or replacing your windshield. This is relatively inexpensive coverage and usually worth having, since windshields can easily be cracked by debris on the highway.

Since other-than-collision coverage is optional in most states, there's a chance you don't have it. You'll have to check your policy or call your insurer to find out. If you don't have this coverage, you may have to pay the repair bill yourself.