Yes, there is a deductible for windshield replacement when a driver uses comprehensive or collision insurance. Insurance companies often waive comprehensive deductibles for minor windshield repairs, however, and some states require insurers to waive the comprehensive deductible for both repairs and full replacements.
Florida, South Carolina, and Kentucky waive deductibles for windshield repair and replacement altogether. In addition, Arizona, Connecticut, Minnesota, Massachusetts, and New York require car insurance companies to offer full glass coverage. This is a policy add-on that allows drivers to have a specific glass repair deductible that is either $0 or lower than their comprehensive deductible.
Major Insurance Companies That Waive Windshield Deductibles
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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