Can you claim a cracked windshield on the other driver's insurance?
Reviewed by the Skyview Auto Glass technical team — NWRD-, ASE- and DINITROL-trained technicians · Updated November 2026
Quick answer
After a crash that was the other driver’s fault, their liability coverage generally pays for your damage including glass. But road debris kicked up by another vehicle is usually your own comprehensive claim, not the other driver’s liability. This is general information, not legal advice. Coverage depends on the policy, so confirm with your insurer.
Other driver cracked my windshield who pays
A crash that was their fault
- Their liability coverage generally pays for your damage.
- Glass broken in the collision is part of that claim.
- Fault depends on the facts and local law.
- General information, not legal advice.
Road debris from another car
- A rock kicked up by tires is usually your own comprehensive claim.
- The other driver is generally not liable for kicked-up debris.
- Subject to your comprehensive deductible.
- Many insurers waive the deductible on chip repairs.
If their vehicle hit yours, their liability may apply. If debris flew up from the road, it is usually your comprehensive.
Can I claim glass damage on someone else’s insurance
- After a crash that was the other driver’s fault, their liability coverage generally pays for your glass.
- Road debris kicked up by another vehicle is usually your own comprehensive claim.
- An unsecured load that falls off another vehicle may be treated differently.
- Fault depends on the facts and local law — this is not legal advice.
- What applies is policy-specific, so check with your insurer or agent.
Debris from another car broke my windshield
Road debris kicked up by another vehicle’s tires is usually your own comprehensive claim, because the other driver is generally not responsible for a rock on the road. The claim is subject to your comprehensive deductible, and many insurers waive it for a chip repair. See our guide on a rock from a truck.
An unsecured load that falls off another vehicle is a different situation, and whether that driver owes anything depends on the facts and local law. This is general information, not legal advice. For the glass itself, your comprehensive coverage is the reliable path, and Skyview files the claim at no charge.
After a crash that was the other driver’s fault, their liability coverage generally pays for your damage, including glass broken in the collision. How that claim is handled depends on the facts and local law, and Skyview cannot advise on fault. Coverage depends on your policy, so confirm with your insurer or agent before deciding which claim to file.
More questions about other drivers and glass
Other driver cracked my windshield — who pays?
After a crash that was their fault, their liability coverage generally pays for your damage including glass. Fault depends on the facts and local law. This is general information, not legal advice. Verify the details with your insurer.
Can I claim glass damage on someone else’s insurance?
Sometimes, after a crash that was their fault. Road debris kicked up by another vehicle is usually your own comprehensive claim instead. Coverage depends on the policy, so confirm with your insurer or agent.
Debris from another car broke my windshield — who pays?
Kicked-up road debris is usually your own comprehensive claim, subject to your deductible. An unsecured load that falls off another vehicle may be treated differently. See our rock from a truck guide.
Related guides
More in Insurance and claims
- Does a windshield chip repair count as an insurance claim?
- What happens if you chip the windshield on a rental car?
- Is it worth paying cash for a windshield instead of filing a claim?
- Does insurance cover windshield replacement?
- Does liability insurance cover windshield damage?
- What is full glass coverage?
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