Does Michigan no-fault insurance cover windshield damage?
Reviewed by the Skyview Auto Glass technical team — NWRD-, ASE- and DINITROL-trained technicians · Updated November 2026
Quick answer
Not the glass itself. Michigan no-fault insurance covers injuries and the damage your vehicle does to other people’s property; damage to your own glass is covered by optional comprehensive coverage, subject to its deductible. Confirm what you carry with your insurer or agent, because no-fault and comprehensive are separate parts of a Michigan policy.
Where no-fault coverage begins and ends
Michigan’s no-fault system is built around injuries and liability. It covers the injuries to people in a crash and the damage your vehicle does to other people’s property — the personal protection and property damage sides of the policy. It is not the part of the policy that pays for damage to your own vehicle.
Damage to your own glass sits on the comprehensive side. Comprehensive coverage is optional in Michigan, and it is what pays for glass damage from a rock, a storm, a break-in, or a stress crack — subject to the deductible you chose. A policy with no-fault but no comprehensive covers injuries and liability, not your windshield.
The two parts are separate, which is why the question matters. A driver who assumes no-fault covers everything is surprised by a glass bill, and a driver who carries comprehensive alongside no-fault is covered above the deductible. Confirm with your insurer or agent which coverages your policy actually includes.
The separation between no-fault and comprehensive confuses drivers because the word coverage gets used loosely. A driver who says I have full coverage may mean no-fault plus collision, or no-fault plus comprehensive, or all three — and only the comprehensive piece pays for a rock chip or a stress crack. Reading the declarations page, or asking the agent to name each coverage in plain terms, is the reliable way to learn whether your own glass is protected above the deductible or whether you are carrying no-fault alone.
No-fault vs comprehensive in Michigan
Michigan no-fault
- Covers injuries to people in a crash.
- Covers damage your vehicle does to other people’s property.
- Required coverage in Michigan.
- Does not pay for damage to your own glass.
Comprehensive coverage
- Covers damage to your own vehicle from non-collision causes.
- Pays for glass damage above your deductible.
- Optional in Michigan.
- Subject to deductibles such as $100, $250, $500, or $1,000.
No-fault protects people and others’ property; comprehensive protects your own glass. They are different parts of the policy.
Confirm your coverages with your insurer
Because no-fault and comprehensive are separate, the only way to know whether your glass is covered is to read your declarations page or ask your agent. This is general information about Michigan insurance structure, not legal or insurance advice for your policy.
More questions about no-fault and glass
Does no-fault cover a cracked windshield?
No. No-fault covers injuries and the damage your vehicle does to others’ property; your own glass is covered by comprehensive coverage, subject to its deductible, if you carry it.
What covers glass damage in Michigan?
Comprehensive coverage, when carried, pays for glass damage above the deductible. Many insurers also waive the deductible for a chip repair.
Is comprehensive required in Michigan?
No. Comprehensive is optional in Michigan. Lenders and lessors usually require it on a financed or leased vehicle, but the state does not mandate it for every driver. A driver who owns the car outright and carries no-fault alone has no glass coverage until comprehensive is added.
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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