Melissa Sherrard, Car Insurance Writer
@melissa_sherrard
Yes, The General will pay for windshield replacement or repair services for customers who have comprehensive coverage, though a deductible will apply unless state laws or policy details say otherwise. Comprehensive insurance from The General covers windshields damaged by weather, vandalism and theft, among other things.
In some states, specific laws govern whether customers will need to pay their deductible for windshield repairs or replacement. For instance, in Florida, Kentucky, and South Carolina, insurers cannot charge a deductible for windshield repairs or replacement. Additionally, insurance companies in Arizona, Connecticut, Massachusetts, Minnesota and New York must offer a "full glass coverage" policy that allows customers to choose a $0 deductible for glass repairs.
On the other hand, if the windshield was damaged in an accident and the policyholder was at-fault, The General customers can file a collision claim, though their exact policy details will determine if they need to pay a collision deductible. And if the policyholder was not at-fault, the at-fault driver’s liability insurance should cover the damage without a deductible.
To find out whether you will need to pay a deductible for windshield replacement, you can check your policy details or call The General's customer service line at 1 (800) 280-1466. To file a claim for windshield repair or replacement, you can use The General's claims phone number.
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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.
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