Lilah Butler, Car Insurance Writer
Yes, Mercury has glass coverage for customers with comprehensive insurance. Mercury customers can file a glass claim under their comprehensive coverage if their windshield was damaged due to something besides an accident, such as an animal, a weather event, or vandalism. If the windshield was damaged in a crash, drivers can file a claim with their collision insurance if they were at fault or with the at-fault driver’s liability coverage.
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. If the damage is minor, you might be able to have your windshield repaired rather than replaced. Repairs are usually inexpensive, costing around $50-$150 for most cars, and they often take around 30 minutes. If the cost of repairs is less than your deductible, your insurance company won’t pay for any of it.
In addition to Mercury’s own rules on windshield repairs, several states have specific laws about car insurance deductibles for windshield repairs and replacement.
State Laws on Windshield Repairs
- 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 in order for your windshield to be repaired or replaced. You can check with Mercury if you’re unclear about your policy details or your state’s laws.
For more information, check out WalletHub’s guides to comprehensive and windshield insurance.
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