However, insurance companies often waive deductibles for minor windshield repairs, and some states even require insurers to waive the deductible for both replacement and windshield repairs. 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. If your car insurance doesn't cover windshield replacement or glass damage, you should still make repairs.
Most insurance companies will only pay for windshield replacement up to the cost of an aftermarket glass. However, free windshield replacement laws apply to the integral part of your car policy, not liability. Cracks over six inches long are considered irreparable and need a complete windshield replacement. However, given your insurance company and the state you live in, there may be different average costs to replace the windshield.
The three situations described above are completely legitimate ways in which the deductible for windshield replacement can be waived. After you make your windshield insurance claim, the next step is to find the right parts and a company to do the replacement. 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. Potential Savings Repairing a windshield is much cheaper than full replacement and is recommended whenever possible.
That means that free windshield replacement laws generally apply only to policyholders with comprehensive car insurance. Similar to comprehensive coverage, drivers generally have to pay a deductible for collision claims, unless their insurance has a replacement program windshield without deductible. Check with your policy to see if there is a deductible for windshield repair or replacement in this case. You may be doing the process with another company, such as GEICO, AAA, Progressive, or USAA, for windshield replacement.
We had a customer who recently replaced his windshield and noticed a fog spot developing in the upper corner of the glass.