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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 their windshield.
Additionally, insurance companies in Arizona, Connecticut, Massachusetts, Minnesota and New York are required to offer drivers the option of purchasing full glass coverage. This policy add-on allows drivers to have a specific glass repair deductible that is either $0 or lower than their comprehensive deductible.
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. In order 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.
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