As an expert in the insurance industry, I have seen many customers surprised by the unique law in Kentucky that covers windshield replacement. According to this law, if you have full coverage or comprehensive insurance, all glass replacements in your car are free. This means that you won't have to pay a deductible for a covered claim when replacing your windshield in Kentucky, Florida, or South Carolina. This is a major benefit for drivers and can save them a significant amount of money.
In fact, there are several other states that also allow drivers to purchase separate glass coverage along with their comprehensive coverage. This glass coverage typically has its own deductible that can be waived or reduced for windshield claims. Most fully covered car insurance policies in Kentucky include coverage for windshield repair and replacement. However, the extent of this coverage can vary from policy to policy. At Same Day Windshields, we work with insurance companies to help customers with comprehensive insurance in Kentucky take advantage of this important law.
This law states that the deductible provision of a comprehensive policy does not apply to claims for windshield replacement. In simpler terms, if you have full coverage insurance in Kentucky for your vehicle, you won't have to pay a deductible for windshield replacement. This is often a pleasant surprise for our customers when they file a claim and realize they won't have to pay anything out-of-pocket. I recently looked at my claims history with Liberty Mutual and was surprised to see a windshield replacement included as a claim. This just goes to show how many people are unaware of this unique law in Kentucky.
But why is this law in place? And how does it benefit drivers?Comprehensive coverage is designed to help cover the costs of repairing or replacing damaged glass on your vehicle. This can include situations such as a baseball breaking your windshield or hail causing cracks in your windows. With comprehensive coverage in your Progressive auto policy, you won't have to pay a deductible for windshield repair in all 50 states, as long as you meet all coverage requirements. This is a major advantage for drivers, as repairing or replacing a car's glass can be quite costly. Not only is the cost of windshield replacement a concern for drivers, but the noise and impact of a broken windshield can also be alarming.
In most cases, the impact will leave a crack in the windshield that will need to be repaired or replaced. This is where the Kentucky law comes in handy. Knowing that you won't have to pay out-of-pocket expenses for windshield replacement can be a great relief when faced with an unexpected broken windshield. In conclusion, Kentucky has a unique law that benefits drivers with full coverage or comprehensive insurance. This law states that the deductible provision of such a policy does not apply to claims for windshield replacement.
This means that drivers won't have to pay a deductible for windshield replacement in Kentucky, Florida, or South Carolina. It's important for drivers to be aware of this law and take advantage of it when needed. As an expert in the insurance industry, I highly recommend purchasing comprehensive coverage and taking advantage of this important law in Kentucky.