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. Some states also require replacement of windshields with minor damage in front of the driver's seat due to the risk of visual impairment.
Each state may also have its own guidelines on what types of cracks can be repaired without needing to replace the windshield. If you live in Florida, Kentucky, or South Carolina, you won't have to pay your deductible for windshield replacement or repairs. In some states, there are specific laws that regulate whether customers will have to pay their deductible for windshield repairs or replacements. Yes, you have to pay a deductible for windshield replacement if you use your comprehensive or collision coverage.
Windshield repair and replacement is usually very affordable, so it could cost less than your deductible. The good news is that replacing or repairing your windshield is likely covered by the comprehensive coverage already in your car insurance policy. In addition, if you live in one of the “no deductible” states (Florida, South Carolina, or Kentucky), all comprehensive auto insurance policies are required to pay in full for windshield replacement or repair. Typically, chips less than a quarter and cracks less than a few inches long can be repaired, but windshields with larger cracks, cracks extending from the edge of the windshield, or deep chips may require a complete replacement.
Most insurance companies will only pay for windshield replacement up to the cost of an aftermarket glass. If your car insurance doesn't cover windshield replacement or glass damage, you should still do the repairs. The decision between repairing or replacing the windshield depends on several factors, including the dimensions and depth of the damage, the impact on visibility, and the threat it poses to the driver's safety. On rare occasions, you may need to take your car to a dealer to recalibrate it after replacing the windshield.
Many dealers qualify as a one-stop service for all your car needs, including windshield replacement and even body work.