As an expert in the auto insurance industry, I have come across many unique laws and regulations regarding car insurance coverage. One of the most interesting ones is the law in Kentucky that states if you have full coverage or comprehensive insurance, all glass replacements in your car are free. This means that if your windshield gets damaged, you won't have to pay a single penny for its replacement or repair. This law is a huge relief for car owners in Kentucky, as windshield replacements can be quite expensive.
But how exactly does this law work? Let's dive into the details.
The Law in Kentucky
Kentucky has a unique law that requires auto insurance companies to pay for the replacement or repair of windshields. This means that any comprehensive car insurance coverage includes free repair and replacement of car glass. So, if you have comprehensive coverage, you won't have to worry about paying for a new windshield if it gets damaged.This law applies to all types of vehicles, including cars, trucks, and motorcycles. It also covers all types of glass, such as windshields, side windows, and rear windows. This means that if any of these glasses get damaged, your insurance company will cover the cost of repair or replacement.
Who Can Replace Your Windshield?
Now, you might be wondering who can replace your windshield for free.The answer is simple - anyone who offers auto glass services. While car dealerships do offer windshield replacement services for fully insured cars, it's always better to go to specialized auto glass services. These services have years of experience and expertise in handling all types of windshield replacements and repairs. They also offer comprehensive services, such as mobile windshield replacements, making it more convenient for car owners.
Other States with Similar Laws
Kentucky is not the only state with a law that covers windshield replacements. Florida and South Carolina also have similar laws in place. These states do not have glass deductibles that an auto policyholder must pay in the event of a windshield replacement claim. This means that if you live in any of these states and have comprehensive coverage, you won't have to pay a deductible for a covered claim.This is a huge advantage for car owners, as windshield replacements can be quite expensive.
Coverage Requirements
While the law in Kentucky and other states may seem straightforward, there are certain coverage requirements that need to be met for the windshield replacement to be free. These requirements may vary from state to state and insurance company to insurance company. In most cases, the damage to the windshield should be caused by an external factor, such as a rock or debris hitting it.The damage should also be significant enough to require a replacement or repair. Minor cracks or chips may not be covered under this law.
What About Deductibles?
If you have comprehensive coverage, you are probably aware of deductibles - the amount you have to pay out-of-pocket before your insurance kicks in. But when it comes to windshield replacements in Kentucky, Florida, and South Carolina, insurance companies cannot apply a deductible for a covered claim.This means that if your windshield gets damaged and you file a claim for its replacement, you won't have to pay anything out-of-pocket. Your insurance company will cover the entire cost of repair or replacement.
The Cost of Windshield Replacement Coverage
While the law in Kentucky and other states may seem like a great deal, it's essential to understand that the cost of windshield replacement coverage may vary. This means that the cost and level of coverage may differ from state to state and insurance company to insurance company.However, in most cases, no deductible is charged when a customer files a claim to replace their windshield if they have comprehensive coverage and meet all coverage requirements. This means that if you have comprehensive coverage in your Progressive auto policy, you won't have to pay a deductible for windshield repair or replacement in all 50 states.
My Personal Experience
As an expert in the auto insurance industry, I have personally reviewed many claims histories. Recently, I came across my own claims history at Liberty Mutual and was surprised to see a claim for a windshield replacement.Thanks to the law in Kentucky, I didn't have to pay anything out-of-pocket for this replacement. This experience has only reinforced my belief that having comprehensive coverage is crucial for car owners. It not only covers damages to your vehicle but also offers additional benefits like free windshield replacements.
The Bottom Line
In conclusion, if you live in Kentucky, Florida, or South Carolina and have comprehensive coverage, you can get your windshield replaced or repaired for free.However, it's essential to understand the coverage requirements and consult with your insurance company before filing a claim.