Car insurance is essential, but do you really know what it covers?

Windshield damage is one of the most common (and surprisingly costly) issues drivers face, yet it’s often overlooked in standard policies. If you're wondering whether your cracked windshield is covered, you're not alone. And if you drive a Ford Bronco, there's something else you should know: these things are total rock chip magnets. Seriously. If this is your first time dealing with a broken windshield, welcome to the club.

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In this blog, we’ll break down what insurance typically includes, which add-ons you might want to consider, and how to protect your windshield before it breaks again.

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Let’s get into it.

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Why Do Ford Bronco Windshields Crack So Often?

Ford Bronco windshields are prone to cracking because of their upright, nearly vertical design, making them more susceptible to direct impacts from rocks and road debris. Oversized, off-road tires on Broncos also kick up more debris, causing chips that can quickly expand into significant cracks.

Popular Windshield Coverage Add-ons

United States

If you currently have minimum or liability auto insurance, adding specific coverages can significantly enhance your protection. These optional add-ons provide coverage beyond basic liability, ensuring more comprehensive protection against various windshield damage scenarios.

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Collision Coverage

Collision coverage covers damages to your windshield resulting directly from accidents, such as hitting another vehicle or stationary objects. This coverage typically involves a deductible amount you've selected.

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Comprehensive Coverage

Comprehensive coverage protects against windshield damages from events unrelated to collisions, such as falling trees, rocks, or hailstorms. It covers the costs of repairs or replacements, minus the deductible.

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Full Glass Coverage

Full glass coverage is a popular add-on offered by U.S. insurers that provides comprehensive windshield and glass repair or replacement without a deductible. It typically guarantees the use of original equipment manufacturer (OEM) glass and includes coverage for recalibration of advanced driver-assistance systems (ADAS), offering maximum convenience and quality assurance.

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Canada

In Canada, drivers with minimum liability insurance can also enhance their protection through specialized windshield coverage add-ons, offering greater peace of mind for glass-related damages.

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Collision Coverage

Collision coverage in Canada is very similar to that in the U.S., covering windshield damage from accidents involving another vehicle or stationary objects, minus your chosen deductible.

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Comprehensive Coverage

Comprehensive coverage automatically includes glass coverage, typically with deductibles ranging from $500 to $1,000. For instance, if windshield replacement costs $700 with a $500 deductible, you pay $500, and the insurance covers the rest. However, if the deductible exceeds the repair cost, coverage doesn’t apply.

Minor chip repairs usually don’t trigger a deductible, as insurance often covers these fully. The deductible typically applies only to significant windshield replacements.

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Limited Glass Coverage (OPCF 13C and SEF 13D)

Canadian insurers offer Limited Glass Coverage endorsements like OPCF 13C in Ontario and SEF 13D in Alberta. These endorsements specifically limit coverage to front glass damage from events like fire, theft, vandalism, and natural disasters but exclude damage caused by rocks or debris.

Insurance providers may implement these endorsements following multiple glass claims to reduce premiums, potentially lowering comprehensive coverage costs by up to 10%. For minor chips, drivers may benefit from paying repairs out-of-pocket to keep their claims history clean.

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How Much Does a Ford Bronco Windshield Replacement Cost?

Typical windshield replacement costs for the Bronco (2021–2025 models) vary:

• Standard OEM glass: $395 – $1200
• Aftermarket windshield: $570 plus tax (includes installation, calibration, better warranty, reinforced 5MM protection)

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For windshields without heads-up display (HUD), aftermarket (OEE) is recommended due to significantly lower costs, better warranties, and equivalent durability. OEM windshields are suggested primarily if your Bronco features a HUD, as aftermarket HUD compatibility can vary in quality.

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OEM vs. Aftermarket: What's Covered?

• Aftermarket (OEE) glass: Usually covered by insurers, meets federal safety standards, and generally offers better warranties. Quality varies significantly, so ensure you choose high-quality OEE for proper fit and durability.
• OEM glass (Carlite): Covered when ADAS recalibration or an OEM parts endorsement is necessary. Most insurance companies don’t even offer OEM coverage after the vehicle is a year old, and the OEE always comes with a better warranty.

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FAQs about Bronco Windshield Insurance Coverage

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Will filing a windshield claim raise my insurance premium?

Usually not for one claim. However, multiple claims within a short period could increase your premiums.

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Does Ford’s warranty cover windshield cracks?

Ford covers windshield damage only if it's due to manufacturing defects. Road debris or external impacts are not covered.

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Can I change insurers after filing a claim?

Yes, but it's best to complete repairs first, as pending claims follow your vehicle’s VIN and may complicate the process.

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How can I prevent windshield damage? 

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One of the most effective solutions is installing a windshield protection film like ExoShield ULTRA, specifically engineered for flat, upright windshields like those on the Ford Bronco. At 60% thicker than standard films, ExoShield ULTRA offers serious protection and lasting performance. Key benefits include:

• Impact Resistance – Delivers stronger protection than typical peel-off systems, which lose effectiveness as layers are removed.
  
  
• Quick Installation – Pre-cut and easy to apply, installs in under 30 minutes.
  
  
• Scratch Resistance – Durable enough to withstand wear from windshield wipers.
  
  
• UV Protection – Blocks 99.9% of harmful UV rays to protect your vehicle's interior.
  
  
• Enhanced Durability – Built for both everyday driving and rugged, off-road conditions.
  
  
• 2-Year Warranty – Comes with long-term peace of mind and reliable coverage.

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