One of the most well-known free windshield replacement laws exists in Florida. And, of the 50 states, only Florida, Arizona, Connecticut, Kentucky, Massachusetts, New York, and South Carolina waive the auto insurance deductible for windshield repair or replacement. These states are said to have free windshield replacement or zero-deductible states. 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. 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. 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. Similar to comprehensive coverage, drivers generally have to pay a deductible for collision claims, unless their insurance has a windshield replacement program with no deductible. Yes, windshield repair claims affect insurance in most states, although the rate increase is usually small because windshield repair claims are not related to the insured's driving.
Kentucky and Arizona go beyond windshield replacement and include other items, such as lights and safety glass in your vehicle, under their zero-deductible laws. Company G would get business from insurers who refer policyholders, but do not require them, to use Company G's auto glass windshield repair and replacement company. Insurance companies in Florida, Kentucky and South Carolina are required to pay for windshield replacement without applying a deductible. Even if you don't live in a state with free windshield replacement, you can always ask your insurance company if you can waive the deductible from your windshield claim.
The good news is that replacing or repairing your windshield is probably covered by the comprehensive coverage already in your car insurance policy. Car insurance covers windshield damage and replacement in most cases through comprehensive insurance. You may be doing the process with another company, such as GEICO, AAA, Progressive or USAA, for windshield replacement. Florida, Massachusetts, South Carolina and Kentucky have laws requiring comprehensive policies to pay in full for windshield replacement.
We had a customer who recently replaced his windshield and noticed a fog spot developing on the upper corner of the glass. If your windshield cracks during an accident that was your fault, your insurance will repair or replace it if you have collision coverage. .
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