As an insurance expert, I have received countless inquiries regarding windshield replacement coverage in various states. However, one state that stands out is Kentucky, which has a unique law that states that if you have full coverage insurance or comprehensive insurance, all glass replacements in your car are free. This means that if you have comprehensive coverage and meet all coverage requirements, you won't have to pay a deductible when filing a claim for windshield replacement. This law applies to windshield replacements in Florida, Kentucky, and South Carolina. However, it is important to note that this law does not apply to all states.
In some states, drivers can purchase separate glass coverage along with their comprehensive coverage. This glass coverage has its own deductible, which can be waived or reduced in case of windshield claims. It is crucial to check with your insurance provider to see if this option is available in your state. Recently, Andy Beshear enacted a law that prohibits the transfer of rights or benefits under a property or accident insurance policy. This law also regulates that motor vehicle glass repair shops cannot offer incentives to policyholders or insurance producers in exchange for repairing auto glass insurance claims.
This ensures that customers are not taken advantage of and receive fair treatment when filing a claim for windshield replacement. So, does insurance cover windshield replacement in Kentucky? The answer is yes, as long as you have comprehensive coverage and meet all coverage requirements.
The General
is one insurance company that offers windshield replacement or repair services for customers with comprehensive coverage. However, a deductible will apply unless state laws or policy details indicate otherwise. The General's comprehensive insurance covers windshields damaged by weather, vandalism, and theft, among other things. This means that if your windshield is damaged due to any of these reasons, you can file a claim for replacement without having to pay a deductible. It is important to note that in some states, there are specific laws that determine if customers must pay their deductible for windshield repair or replacement.For example, if you have comprehensive coverage in your Progressive auto policy, you won't have to pay a deductible if you can repair your windshield instead of replacing it in all 50 states and if you meet all coverage requirements. Windshield damage can happen unexpectedly, and it can be a great relief to know that you won't have to pay out-of-pocket expenses for replacement. However, it is crucial to act quickly when your windshield breaks. Not only is the contact noise alarming, but the impact is very likely to leave a crack in the windshield that will need to be repaired, if not replaced. The longer you wait, the more likely it is that the damage will worsen and require a full replacement. I recently reviewed my claims history at Liberty Mutual and was surprised to see a windshield replacement included as a claim.
This is because in some states, such as Florida, Kentucky, and South Carolina, insurers cannot charge a deductible for windshield repair or replacement. This means that even if the cost of replacing your windshield is less than your deductible, you won't have to pay anything out of pocket.