The three free windshield replacement states are Florida, Kentucky and South Carolina,. Free windshield replacement · Will my insurance go up if I receive. Most insurance companies handle windshield repairs free of charge All the policyholder must have is valid coverage, including comprehensive coverage. Cracks in windshields fall within the parameters of comprehensive coverage within an insurance policy.
From time to time, you'll run into an insurance company that offers specific windshield repair and replacement coverage, a coverage that the policyholder would have to purchase separately from comprehensive coverage. Either way, you should be able to repair your windshield for free. You can have a glass repair company handle the repair and send the bill to your insurance adjuster for reimbursement. In short, it's a very simple and fast process.
States that offer free windshield replacement are Florida, Kentucky and South Carolina. In these states, insurance companies cannot collect a deductible when drivers with comprehensive coverage need to repair or replace the windshield. In some states, the law says you can get a free windshield replacement as long as you have the necessary comprehensive coverage. Some states offer free windshield replacement by law as long as you have the required comprehensive coverage.
Searching for “free windshield replacement near me” may help narrow this search. Most insurance companies will only pay for windshield replacement up to the cost of an aftermarket glass. Your insurance company can only approve an OEM glass replacement if your vehicle has a specific safety or technology specification attached to the windshield that will only work properly with an OEM windshield. After you make your windshield insurance claim, the next step is to find the right parts and a company to do the replacement.
Since the windshield usually does not have to be replaced to repair a small chip, dent or crack, the cost of repair is relatively nominal. In Arizona, for example, the law requires a no-deductible glass coverage option for windshield replacement. If the cost is slightly higher than your deductible, it may not be worth filing a claim and paying higher premiums over time to save on windshield replacement right now. When considering OEM (original equipment manufacturer) windshields are preferable to aftermarket parts, as they are the easiest to use as spare parts, since their moldings and accessories are identical to those of the original product.
Regardless of where you live, it's possible to get a free windshield replacement with your comprehensive coverage. However, this is not a completely free windshield replacement, as you have to pay to have comprehensive insurance coverage as part of your car insurance policy to make a claim for your windshield. Insurance companies in Florida, Kentucky and South Carolina are required to pay for windshield replacement without applying a deductible. If your windshield cracks during an accident that was your fault, your insurance will repair or replace it if you have collision coverage.
Cracks longer than six inches long are considered irreparable and need a complete windshield replacement. Exempt deductible for windshield replacement or repair as part of comprehensive insurance coverage. Liability insurance only covers windshield replacement if someone else caused damage to your car. If you live in a free windshield state, your insurance company is required to pay for your windshield repair or replacement, without you paying a deductible.
You may be doing the process with another company, such as GEICO, AAA, Progressive, or USAA, for windshield replacement. .
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