Federal regulations set by the
U.S. Department of Transportation state the minimum requirements for windshield conditions and visibility in the country and require each state to enforce the obligations.
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windshield replacement laws are tied into state insurance laws, which are set by individual states. If you live in a state that has specific insurance requirements related to auto glass replacement, your insurance company may be required to pay for your
windshield repair or
replacement in full — even if you have a deductible.
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The following states have insurance laws that specifically address windshield replacement or repair:
- Kentucky — A “zero deductible” state when it comes to windshield replacement and auto glass replacement.
- Florida — Florida also requires insurers to waive the deductible on windshield claims (but not necessarily on other auto glass).
- Arizona — In Arizona, from Avondale, Peoria, Scottsdale, and Tempe to Chandler, Flagstaff, Gilbert, Glendale, Phoenix, Surprise, Tucson, Mesa, and beyond, you have the option of purchasing a separate auto glass endorsement or waiver when you purchase auto insurance. If you have such an endorsement or waiver, you will not need to pay your full deductible when you have your windshield replaced.
- Massachusetts — Massachusetts is frequently cited as a “zero deductible” state, but that’s a bit of a misnomer in this case. You may have friends in Worcester who paid nothing while another friend in Springfield and your coworker in Lowell, Massachusetts had to pay a $100 deductible. The reason for varying rates has to do with the option to get a separate auto glass deductible on your policy. Whether you live in Cambridge, New Bedford, or Brockton, the choice you make when purchasing your auto insurance policy will impact whether or not you get a free windshield replacement as part of your insurance claim. In Massachusetts, you have the option to purchase a comprehensive policy with free windshield repair and replacement or a policy with a $100 windshield deductible.
- New York — In New York, insurance companies can offer policies that do not have a deductible for auto glass replacement.
- South Carolina — Another “zero deductible” state for windshield and auto glass replacement claims. Whether you live in Columbia, Charleston, North Charleston, Rock Hill, Greenville, Summerville, or Sumter — or anywhere else in South Carolina for that matter, if you have comprehensive auto insurance and a damaged windshield, you will likely qualify for a free windshield replacement.