Many of the state's mechanics and body shops advertise this service with some even offering goodies to lure in more customers. Insurance companies realize that it is less expensive to repair a crack or hole while it is small rather than to wait until it spreads over a larger area of the windshield. In Kentucky and South Carolina, drivers must carry comprehensive insurance coverage to receive the "free" windshield replacement benefit as well. Meanwhile, policyholders in Florida communities, such as St.
Drivers who carry collision-only coverage may still be able to recoup the cost of replacing a windshield damaged during an accident for which they were determined not to be at fault. Most insurance companies allow their policyholders to choose their repair shops if the customers agree to pay for any differences in cost. Each state has its own Department of Transportation and may set regulations that go beyond those of the national requirements.
Most insurance companies allow their policyholders to choose their repair shops if the customers agree to pay for any differences in cost. Currently just two states, Kentucky and South Carolina, extend their glass replacement requirements to other types of auto glass such as door glass, vent glass, quarter glass, and back glass. Once you do this, your score goes up and you get better rates.
If you live in any other state, check your insurance policy to determine your comprehensive deductible. Insurers in New York may offer auto policies that do not have deductibles for glass, and companies in Minnesota must offer their customers coverage for full-glass replacement, but the coverage is optional.
Policies in Massachusetts and Florida must fully cover only windshields, but those in South Carolina and Kentucky must cover replacement of other glass as well. Thus, free windshield replacement laws typically apply only to policyholders with comprehensive auto insurance.
One thing you will find in Florida is cracked and damaged windshields. In Connecticut, customers can pay for optional, full-glass insurance coverage, which covers broken windshields and other safety glass with no deductible. Pinterest Things to remember
Posted by: Vudocage | on October 2, 2012
A few states maintain special statutes that mandate insurance coverage for replacement windshields. The same is true if you lived in Owensboro, Covington, Richmond, or Hopkinsville. What About Free Windshield Repairs?
Most insurance companies prefer that policyholders report windshield damage to their insurance agents as soon as possible, and some companies have websites where people can report claims online. Just enter your zip code below to get started. Free windshield replacement laws are tied into state insurance laws, which are set by individual states.
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