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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 if you carry comprehensive insurance. In Arizona and Massachusetts, insurance companies have the option of offering a $0 comprehensive insurance deductible for glass repair and replacement. Similarly, 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 or replacement.
If you live in a state where there is no law mandating insurance companies to waive your comprehensive deductible for glass claims, your insurance company may still waive or reduce your deductible.
Major Insurance Companies That Waive Windshield Deductibles
- Geico
- Nationwide (if you have glass coverage)
- Allstate (repairs when additional waiver is purchased)
- American Family (repairs but not replacements)
- Liberty Mutual (repairs but not replacements)
- Progressive (repairs but not replacements)
- State Farm (only where legally required)
- Travelers (repairs but not replacements)
- USAA (repairs but not replacements)
If you have to pay a glass deductible, then you should only file a claim if the cost of repairs or a full replacement is more than what you’re expected to pay out of pocket. Replacements can cost up to $400, so by filing a claim and only paying your deductible, you will usually save money.
To learn more, check out WalletHub’s guide to windshield insurance.
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