It comes down to comprehensive coverage
In Delaware, windshield and auto glass damage is covered under the comprehensive portion of your auto policy — not liability or collision. If you carry comprehensive, a cracked or shattered windshield from a rock, storm, or break-in is typically covered, minus your deductible.
Deductibles and repairs
- A repair (small chip or crack) is often covered with little or no out-of-pocket cost, because insurers prefer a cheap fix to a full replacement
- A replacement is usually covered subject to your comprehensive deductible
- Delaware does not mandate zero-deductible glass coverage (unlike a few states), so your deductible applies as written — check your policy
You choose the shop
Your insurer may suggest a shop, but in Delaware the choice is yours. We bill your insurer directly and handle the paperwork. Tell us your carrier and we'll verify your coverage before any work. General info, not insurance advice — confirm with your carrier.
Frequently Asked Questions
Do I have to use the shop my insurance recommends?
No — in Delaware you have the right to choose your own auto glass shop. We work with all major carriers.
Will a glass claim raise my rates?
Comprehensive glass claims are less likely to affect rates than at-fault collision claims, but it varies by insurer — ask your agent.
Need a hand with your windshield? We offer same-day mobile repair and replacement across Wilmington. Call (302) 520-3338 for a free quote.