Most car insurers cover windshield replacement if you have comprehensive coverage in your policy. 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. Comprehensive coverage is optional that automatically includes Auto Glass coverage.
Comprehensive coverage protects your vehicle from damage not related to car accidents or collisions, such as fire, theft, and damage from natural events such as 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 check to see if your comprehensive coverage doesn't apply the deductible for glass claims.