Lilah Butler, Car Insurance Writer
@lilah_c
Yes, Progressive has glass coverage for customers with comprehensive insurance. If glass on your vehicle gets damaged by something other than an accident, such as an animal, a weather event, or vandalism, comprehensive insurance from Progressive will cover the damage. If your car’s windshield or other glass gets damaged in a crash with another vehicle, you can file a claim with your collision insurance if you were at fault or with the at-fault driver’s liability coverage.
Glass coverage from Progressive is not a distinct type of insurance that you can buy separately. Glass claims may receive special treatment, though. In some states, Progressive offers a $0 deductible option for glass-only claims, meaning you won’t have to pay your comprehensive deductible if you file a claim only for glass damage. Additionally, if the crack in your windshield is repairable and less than 6 inches long, your deductible will be waived.
State Laws on Glass Coverage Deductibles
- Florida, Kentucky, and South Carolina require companies to waive the deductible for both windshield repair and replacement.
- Kentucky and South Carolina require companies to waive the deductible for all auto glass that you can see out of, not just the windshield.
- Arizona, Connecticut, Massachusetts, Minnesota, and New York require insurers to offer customers the option of a $0 glass deductible plan. This option is often referred to as full glass coverage.
If you don’t live in one of these states, you will likely have to pay your comprehensive deductible to get your windshield completely replaced, or use your collision insurance if the glass damage was caused by an accident. You can check with Progressive if you’re unclear about your policy details or your state’s laws.
Fixing a cracked or chipped windshield is important for safety reasons, since damaged windshields can obstruct a driver’s vision and are more likely to shatter if they are hit. But if the damage is minor, you might be able to have your windshield repaired rather than replaced. This also applies to any glass damage on your vehicle. Any chip in your car’s windows or elsewhere can grow into a crack that spans the length of the glass. It’s typically worth filing a claim for glass or windshield damage if the cost to repair it is more than your deductible.
For more information, check out WalletHub’s guides to comprehensive and windshield insurance.
People also ask
Does comprehensive insurance cover windshield replacement?
Yes, comprehensive insurance covers windshield replacement as long as the windshield was damaged by something other than an accident. If the windshield was damaged in a crash, the cost of windshield replacement or repairs would fall under liability or collision coverage, depending on fault.
Comprehensive Insurance Covers Windshield Replacement Needed Due To:
- Vandalism
- Hail or other weather events
- Animal damage
- Road debris
- Fallen trees
- Natural disasters
Is comprehensive insurance worth it?
Comprehensive insurance is worth it if the premium is a small percentage of the car’s value. Comprehensive insurance might also be worth it if the policyholder cannot afford to replace the vehicle without comprehensive coverage, or if the car is driven or parked in a particularly risky area.
Although comprehensive insurance is not mandatory in any state, dealerships and lenders frequently require comprehensive insurance, along with collision coverage, on leased or financed cars. In...
read full answer by WalletHub, Financial CompanyHow can I use Progressive windshield replacement?
Progressive windshield replacement is available if you have full coverage. Windshields are commonly damaged by flying or falling objects, acts of vandalism, and severe weather—all of which are covered by comprehensive insurance. If your windshield was damaged in an accident, you will either file a collision claim with your insurer or a liability claim with the other driver’s insurance company. It depends on who was at fault. If the accident was caused by another driver, their liability insurance...
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