More than likely not. I think it all depends on who you are with. Geico didn't do an inspection on any of our cars when we added them, but when we had AIG through a local agent he inspected and photographed the car we were adding before writing up the policy.3 cracks for me. They all started below the wiper. Got 2 under control but the 3rd is a problem, its about 12 inches now. Dont have the coverage but does anyone know if I call up and add it will they inspect beforehand. If I would have known the big problem I sure would have gotten the coverage but with 4 other vehicles and the last 30 years and hundreds of thousands of miles have never needed it. 10 thousand miles on the FJ and I would be on my 4th winshield if not for being so cheap.