Question 1

Does insurance cover windshield replacement?

Accepted Answer

Yes, if you carry comprehensive coverage. Glass damage from a rock, hail, vandalism, or an animal strike falls under comprehensive, not collision, so no fault is assigned. Whether you pay a deductible depends on your state and your policy. Liability-only policies do not cover glass.

Question 2

Will a glass claim raise my insurance rates?

Accepted Answer

A comprehensive glass claim is treated very differently from an at-fault collision and generally does not carry the same rating impact. Carriers do look at overall claim frequency, but a single windshield claim is not typically what moves a premium. Many carriers actively encourage chip repair claims because a repair is far cheaper for them than a replacement later.

Question 3

Which states have zero-deductible windshield coverage?

Accepted Answer

Florida, Arizona, South Carolina, and Kentucky require insurers to cover windshield replacement in full with no deductible when the policyholder carries comprehensive coverage. Several other states, including Colorado, Massachusetts, Connecticut, New York, and Minnesota, have partial provisions or require carriers to offer a zero-deductible glass option. Tell us your ZIP and we will confirm exactly what applies to you before dispatching a technician.

Question 4

Can my insurance company make me use their shop?

Accepted Answer

In the great majority of states, no. You have the right to choose your own glass installer, and your carrier is obligated to pay a reasonable market rate for the work. A carrier can recommend a network shop; it cannot require one. We bill every major carrier directly, so choosing us creates no extra paperwork for you.

Question 5

Do you file the claim for me?

Accepted Answer

Yes. We verify your coverage, confirm your deductible, file the claim, document the work including any ADAS calibration, and bill the carrier directly. In most cases you never speak to your insurer at all.

Insurance & Glass Claims

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