In some cases, deductibles don't apply. Most auto insurers cover windshield replacement if you have comprehensive coverage on your policy. In some cases, deductibles do not apply for windshield repairs. However, if you need to completely replace your windshield, you are likely to be responsible for paying your comprehensive deductible, unless you live in a “zero deductible” status.
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. In most cases, your insurance provider will cover the cost of replacing your windshield. It's worth mentioning that drivers with comprehensive car insurance have an even higher chance of getting coverage.
State Farm covers both windshield repairs and replacements, depending on the extent of damage. A good rule of thumb suggests that if a crack in the glass is at least six inches long, it is wiser to replace the windshield completely. Without delay, the glass shop moved to replace the windshield on the same day and took additional steps to ensure that the trim was sealed properly. So, if you have a damaged windshield and the right insurance coverage, there is no reason to risk a traffic stop and a fine when you can replace it for free through your insurance policy.
The good news is that replacing or repairing your windshield is likely covered by the comprehensive coverage already in your car insurance policy. This includes the possibility of free windshield repairs as required by Florida windshield repair law. However, drivers should remember that replacing the windshield through their insurance provider usually requires drivers to pay a deductible (a down payment that is made before coverage starts). If your windshield breaks after you hit another vehicle or hit a pole, collision insurance will likely cover windshield damage minus the amount of the deductible you chose for this coverage.
We had a customer who recently replaced his windshield and noticed a fog spot developing in the upper corner of the glass. Florida, Kentucky and South Carolina are the only three states that require free windshield replacement with appropriate insurance coverage. If you want to make sure you can replace your windshield without out-of-pocket costs, make sure your policy includes comprehensive coverage. If your car insurance doesn't cover windshield replacement or glass damage, you should still do the repairs.
If you opt for comprehensive coverage under your insurance plan, you'll have the added benefit of Florida windshield replacement insurance. Many dealers qualify as a one-stop service for all your car needs, including windshield replacement and even body work. On rare occasions, you may need to take your car to a dealer to recalibrate it after replacing the windshield.
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