As an expert in the auto glass industry, I have seen firsthand the stress and financial burden that a broken windshield can cause for car owners. Dealing with a broken windshield can be a major inconvenience, not to mention the cost of getting it fixed. However, if you live in Kentucky, there is some good news for you. Thanks to a unique law enacted by Governor Andy Beshear, windshield replacement is covered by insurance in Kentucky.This law specifically states that if you have full coverage or comprehensive insurance, all glass replacements in your car are free.
This means that if you have comprehensive insurance on your vehicle, you won't have to pay out-of-pocket expenses for windshield replacement. One of the key provisions of this law is that the deductible provision of your insurance policy does not apply to claims for windshield replacement. In simpler terms, this means that your deductible for windshield replacement is waived if you have full coverage insurance in Kentucky. This is a pleasant surprise for many of our customers who are not aware of this important law. When your windshield unexpectedly breaks, it can be a huge relief to know that you won't have to pay anything to get it fixed. The loud noise and impact of the break can be alarming, but with this law in place, you can rest assured that you won't have to bear any financial burden. It's important to note that this law only applies to comprehensive coverage and not liability coverage.
Comprehensive coverage protects against damage to your vehicle that is not caused by a collision, such as theft or vandalism. So if you only have liability coverage, unfortunately, this law does not apply to you. At Same Day Windshields, we work closely with insurance companies to help our customers take advantage of this important Kentucky law. We understand how stressful and inconvenient it can be to deal with a broken windshield, and we are committed to making the process as smooth and hassle-free as possible for our customers. But that's not all. The law also prohibits insurance companies from applying a deductible for a covered claim in Florida and South Carolina, in addition to Kentucky.
This means that if you have comprehensive coverage with Progressive, you won't have to pay a deductible for windshield repair or replacement in all 50 states, as long as you meet all coverage requirements. So if you live in Kentucky and have comprehensive insurance on your vehicle, you can breathe a sigh of relief knowing that windshield replacement is covered by insurance. And if you're not sure about your coverage, it's always a good idea to check with your insurance provider to see if you have comprehensive coverage and if it includes windshield replacement.