The states that offer free windshield replacement are Florida, Kentucky and South Carolina. In these states, insurance companies cannot charge a deductible when drivers with comprehensive coverage need to repair or replace any auto glass. Other states have less favorable laws.
In Arizona and Massachusetts, some insurance companies may offer comprehensive insurance with a $0 deductible for glass repair and replacement, but they are not required to.
In Connecticut, Minnesota, and New York, you can buy full glass coverage, which is an add-on to comprehensive insurance that waives the deductible for glass repair and replacement.
It should be noted that even though you don’t have to pay a full deductible for windshield repair or replacement in states that waive or reduce the deductible amount, the coverage itself is not free. For your insurer to cover the cost of fixing your windshield, you need to pay for comprehensive insurance. This type of coverage pays for damage to your vehicle caused by events other than an accident, such as a natural disaster or vandalism. If the windshield damage is caused by an accident, then you can use your collision coverage or the at-fault driver’s property damage liability insurance to pay for repairs.
Car insurance covers windshield replacement if you have comprehensive coverage. Comprehensive car insurance can help pay for windshield damage caused by tree branches falling, rocks or debris on the roadway while driving, acts of vandalism, and collisions with animals (like a deer). In general, comprehensive car insurance protects your car from damage caused by something other than a collision with another vehicle.
While comprehensive insurance typically covers windshield replacement, other types of insurance can cover...
Yes, windshield repair claims affect insurance in most states, though the rate increase is usually small because windshield repair claims are not related to the policyholder's driving. Insurance companies generally raise rates after windshield repair claims in order to recoup the cost of the claim.
However, it's worth noting that insurance companies in California and Oklahoma are not allowed to raise premiums for a not-at-fault claim. Insurance companies react differently to claims, too, so...
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