Most car insurers provide comprehensive coverage that includes Auto Glass coverage. This type of coverage protects your vehicle from damage not related to car accidents or collisions, such as fire, theft, and damage from natural events like hail or the fall of a tree on your car. With comprehensive coverage, if a repair is needed, the deductible doesn't apply. If a replacement is needed, unlike full glass coverage, you can pay a deductible.
Depending on your auto insurance policy and the type of glass coverage selected, your repair or replacement may be fully covered or a deductible may apply. If your car insurance includes liability for property damage from uninsured or underinsured drivers, your insurance will pay for damage to windows caused by another person. Some auto insurers, such as Progressive, have comprehensive plans that don't require you to pay a deductible if your windshield can be repaired. So it's important to check if your comprehensive coverage doesn't apply the deductible for glass claims. In some cases, deductibles do not apply for windshield repairs.
However, if you need to completely replace your windshield, you're likely responsible for paying your full deductible, unless you live in a “zero deductible” state. It's important to understand the details of your auto insurance policy and the type of glass coverage selected so you know what to expect when filing a claim. If you're looking for an auto insurance policy that covers Auto Glass repairs and replacements without a deductible, it's important to shop around and compare policies from different providers. Make sure to read the fine print and ask questions about any potential deductibles before signing up for an auto insurance policy.