How do windshield replacements without a deductible work?

In Kentucky, Florida, and South Carolina, windshield replacement laws require your insurance company to cover the total cost of windshield claims if you carry comprehensive coverage on your auto policy. These three states waive the deductible for windshield claims, so they are often referred to as "zero deductible" states.

It's important to remember that you will pay for your comprehensive coverage as a part of your premium, even in these three states. Some may refer to these states as offering "free windshield replacements." The "free" part kicks in when you file a windshield claim and the deductible is waived, which results in your insurance company covering the cost pursuant to the terms and conditions of the applicable policy.

Which states offer glass coverage?

In addition to states with free windshield replacement laws, there are a handful of states that offer, at your option in exchange for a premium, separate glass coverage with a no or low deductible option for windshield replacements. To qualify for glass coverage, these states usually require you to carry comprehensive coverage on your auto policy.

In Arizona, for example, the law requires an option for glass coverage with no deductible for a windshield replacement. Other states that offer similar glass coverage include:

Before you seek a free windshield replacement in any of these states, contact your insurer to confirm coverage requirements. There may be additional guidelines about the type of windshield damage and repair shops used.