As an expert in the auto insurance industry, I have encountered numerous questions about windshield replacement coverage. One of the most common questions is whether Kentucky is a free windshield replacement state. The answer is yes, but with certain conditions. Kentucky is one of the few states that offers waived deductibles for windshield replacement. This is stated in KRS 304, 20-060, which is also known as the “No Deductible Bill”.
Under this law, insurance companies in Kentucky are not allowed to apply a deductible for windshield replacement claims. This means that if you have comprehensive coverage and meet all the requirements, you will not have to pay any deductible when filing a claim for windshield replacement. Aside from Kentucky, there are only two other states that offer free windshield replacement – South Carolina and Florida. These states are also known as zero-deductible states. In these states, the vehicle insurance deductible for windshield replacement or repair does not apply. However, it is important to note that this does not mean that windshield replacement will be completely free.
There are still certain requirements that need to be met in order to qualify for the waived deductible. In order to be eligible for free windshield replacement in Kentucky, you must have comprehensive coverage in your auto insurance policy. This type of coverage covers damages to your vehicle that are not caused by a collision, such as theft, vandalism, and natural disasters. You must also meet all the coverage requirements set by your insurance company. It is also worth mentioning that some states allow drivers to purchase separate glass coverage with their comprehensive coverage. This means that there will be a separate deductible for glass-related claims, which can be waived or reduced depending on the circumstances. Now, you may be wondering if you need to contact your insurance company first before getting your windshield replaced.
The answer is no. According to the “No Deductible Bill”, glass repair shops in Kentucky are not allowed to charge higher fees or costs than what is normally reasonable. This means that you can go directly to a glass repair shop and have your windshield replaced without having to contact your insurance company first. However, it is still important to properly research your coverage before filing a claim for windshield replacement. This will help avoid any confusion and ensure that you are eligible for the waived deductible. It is also worth noting that the cost and level of coverage for windshield replacement may vary depending on the state you are in.
This is due to the existence of different state laws regarding windshield replacement coverage. Having a broken windshield can be a major inconvenience and expense. But in states like Kentucky, South Carolina, and Florida, it can be a relief to know that you won't have to pay out-of-pocket expenses for windshield replacement. As an expert, I highly recommend taking advantage of this benefit if you are eligible for it. Lastly, I would like to emphasize the importance of getting your windshield repaired or replaced as soon as possible. Not only is it essential for safe driving, but delaying the repair or replacement may result in a bigger crack that will require a full replacement instead of just a repair.