How do windshield replacements without a deductible work?

If you have comprehensive coverage and meet all coverage requirements in Kentucky, Florida, and South Carolina, your insurance company cannot apply a deductible for a covered windshield replacement claim. 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 still have to 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;” however, there is still a cost to you through your premium payment. The "free" part kicks in when you file a covered windshield claim and the deductible is waived, which results in your insurance company paying the cost of the replacement 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.