Florida, Kentucky, and South Carolina are the only states that exempt the auto insurance deductible for windshield repair or replacement, if you have comprehensive insurance coverage. Arizona, Connecticut, Massachusetts, Minnesota and New York allow separate glass coverage with no deductible on your glass claim. State Statute 627,7288 states that owners of vehicles with comprehensive coverage in Florida will be waived the deductible for replacing the windshield. Florida's windshield replacement law applies to any policy issued or issued in Florida by a licensed insurer.
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.
While windshield replacement without a deductible can be offered with comprehensive coverage, it is not a law. In Arizona, for example, the law requires a no-deductible glass coverage option for windshield replacement. That's certainly the case with the windshield replacement cost, which isn't your out-of-pocket money for you when you have full coverage insurance in Florida. If your windshield has been damaged in Florida, your comprehensive insurance policy will pay to repair the windshield free of charge without you having to pay the deductible.
The exact amount you'll have to pay to replace your windshield will vary depending on a number of factors, including the year, make, model, and finish of your car. If you want to make sure you can replace your windshield without out-of-pocket costs, make sure your policy includes comprehensive coverage. After you make your windshield insurance claim, the next step is to find the right parts and a company to do the replacement. Florida, Kentucky and South Carolina are the only three states that require free windshield replacement with appropriate insurance coverage.
If you have comprehensive coverage on your Progressive auto policy, you won't have to pay a deductible if your windshield can be repaired instead of replaced in all 50 states. Luckily, this section will help you learn the basics so you can effectively replace your windshield. Some states offer free windshield replacement by law as long as you have the required comprehensive coverage. The Florida Legislature enacted the statute to encourage owners of fully covered vehicles to replace their damaged windshields without out-of-pocket costs.
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. Before ordering a free windshield replacement in either of these states, contact your insurer to confirm coverage requirements.