Lilah Butler, Car Insurance Writer
@lilah_c
Safelite is not an insurance company and cannot waive the deductible on your policy if you file a claim. That said, in some cases, depending on your insurance coverage and your state of residence, you may be able to get your insurance company to waive your deductible for windshield repairs.
If you live in Florida, Kentucky or South Carolina, insurance companies are required by law to waive the deductible for windshield repairs or replacements. In other states like Arizona, Massachusetts, Connecticut, Minnesota and New York, you have the option of no deductible for windshield repairs. Check your state's laws for options on getting your deductible waived.
People also ask
Do I have to pay a deductible for windshield replacement?
Yes, you have to pay a deductible for windshield replacement if you use your comprehensive or collision coverage. Insurance companies often waive deductibles for minor windshield repairs, however, and some states even require insurers to waive the deductible for both windshield replacements and repairs.
States With Reduced Deductibles for Windshield Replacement
In Florida, Kentucky, and South Carolina, insurers cannot charge a deductible for repairing or replacing your windshield, so windshield repair/replacement is free...
read full answer by WalletHub, Financial CompanyWhat states offer free windshield replacement?
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,...
read full answer by WalletHub, Financial CompanyShould I use insurance to replace my windshield?
Yes, you should use insurance to replace your windshield, if it would cost more than your deductible to pay out of pocket for the work. If the deductible exceeds the repair or replacement cost, the insurer will not cover any of it and filing a claim would be pointless. A glass repair claim may cause your premium to increase slightly, because of the cost to your insurer.
Glass damage is usually covered by comprehensive insurance,...
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