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. States that currently have these statutes on the books include Florida, South Carolina, and Kentucky.
In Florida, all drivers who have comprehensive insurance coverage on their vehicles are eligible for free windshield replacement. Many of the state's auto body shops advertise this service, and some even offer products to attract more customers. Cracks over six inches long are considered irreparable and need a complete windshield replacement. Florida, Kentucky and South Carolina are the only three states that require free windshield replacement with appropriate insurance coverage.
If you have comprehensive coverage, you must be covered for auto glass repair, including full windshield replacement. Windshields on older vehicles may also be more expensive to replace, as their original parts may be difficult to find. Auto insurance providers in these states cannot require policyholders to use their deductibles to pay the cost of windshield repair or replacement. We had a customer who recently replaced his windshield and noticed a fog spot developing in 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. Since the deductible value of most policies exceeds that of typical windshield replacement work, these rules can save policyholders hundreds of dollars over the life of their policies. 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. The no-deductible windshield replacement law for insurance companies is something that few states have, so it's worth considering when choosing an insurance policy.
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. Contact a glass repair specialist if you have any questions about whether the windshield should be repaired or replaced. Car insurance covers windshield damage and replacement in most cases through comprehensive insurance. Just because the glass is smaller doesn't mean that replacing a car window is cheaper than a windshield.
Not only does it cost more to replace the windshield, but the price also varies depending on the size and style of your vehicle.
Leave a Comment