You may have heard reference to a “free windshield replacement rule in Texas,. This should be covered by a comprehensive policy, but you should talk to your insurance agent to verify what your policy covers. Comprehensive coverage covers windshield repairs in Texas, but they're not yet free. You'll have to pay the deductible, which is a portion you pay out of pocket and the insurance company will cover the rest of the cost.
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. If you have comprehensive coverage, you must be covered for auto glass repair, including full windshield replacement.
At Progressive, if your glass can be repaired rather than replaced, you won't have to pay anything in most cases. Insurance companies in Florida, Kentucky and South Carolina are required to pay for windshield replacement without applying a deductible. This means that there is no deductible when a customer files a claim to replace their windshield if they have comprehensive coverage. There are also several other states that allow drivers to purchase glass coverage separately with their comprehensive coverage.
Glass coverage has its own deductible that can be waived or reduced for windshield claims. The comprehensive insurance portion of your car insurance policy usually covers windshield damage claims. This type of insurance covers damage due to problems such as theft, fire, flood, hail, falling objects (such as a tree branch) and collisions with animals. Comprehensive insurance is optional coverage, but is usually required if you have an auto loan.
Collision insurance is an optional coverage that usually covers a cracked windshield if it was damaged during an accident. Some states have “zero deductible” mandates that say auto insurance companies cannot apply a deductible for comprehensive insurance glass claims. For example, Florida statute 627.7288 states that a deductible for comprehensive coverage does not apply to motor vehicle glass. If your windshield is chipped or cracked, you'll need to access the comprehensive insurance portion of your auto policy.
Comprehensive insurance covers a range of problems that could damage the windshield, such as falling objects, vandalism, bad weather and collisions with animals. A strong thunderstorm can cause hail to fall that varies in size from peas to grapefruit. If you want the right car insurance for hail damage, you'll need comprehensive insurance on your auto policy. Comprehensive insurance also helps pay for repair of car body damage caused by hailstorms.
The good news is that most auto insurance policies will pay for the repair of your windshield chips and even exempt you from the. Insurers prefer you to make a quick and economical solution so you don't have to file a windshield insurance claim later. What happens if you already have a broken windshield? Typically, your comprehensive coverage will cover repairing a crack in your windshield if it is less than 6 inches long about the length of a dollar bill. Many insurers will cover repair without a deductible as long as you use a company within the insurer's network.
You also can't hang fuzzy dice or place large stickers or other treasures that obstruct your view on or in front of your windshield. Even small claims are visible in your claims record and can be consulted by a new insurance company (for a few years). Before you learn more about which states have full glass coverage, enter your zip code above to get free insurance quotes in your area. If your car insurance doesn't cover windshield replacement or glass damage, you should make repairs.
Liability insurance only pays for damage you cause to other vehicles, as well as injuries you cause to others, but it doesn't cover your own car. You will need to check with your insurance provider to see if the windshield crack repair is covered. In Arizona, for example, the law requires a no-deductible glass coverage option for windshield replacement. You may have to pay higher rates, but your insurance will cover the full amount of windshield repairs if you ever file a claim.
Insurance companies in Kentucky not only offer a zero-dollar deductible for glass coverage, but also for anything determined to be “safety equipment,” including glass, plastic, and other materials used in your vehicle's lights. Deciding if this is a good option for you depends on your opinion and whether or not the insurance company will allow this agreement. There are many other things that influence the price you may or may not have to pay to get a free windshield replacement in Texas. .