As an expert in the field of auto insurance, I have encountered numerous inquiries and concerns from clients regarding their coverage options. One question that frequently arises is about the $0 glass deductible option$0 glass deductible option offered by Progressive. Many individuals are unsure of what this means and how it affects their coverage. In this article, I will explain everything you need to know about the $0 glass deductible option in Progressive auto insurance.
What is the $0 Glass Deductible Option?
The $0 glass deductible option is an add-on to your comprehensive coverage in your Progressive auto policy.This option allows you to repair your windshield instead of replacing it without having to pay a deductible. This applies to all 50 states as long as you meet all coverage requirements. In most cases, windshields can be repaired if the chip or crack is less than 15 cm (6 inches) long. This option is independent of your collision coverage, meaning you can still have a deductible for collision claims even if you have a $0 glass deductible. It is important to note that this option only applies to windshield repairs and replacements, not other types of auto glass such as side windows or rear windows.
How Does it Work?
If you have comprehensive coverage and choose the $0 glass deductible option, your insurer will cover all costs for windshield replacement.This means you won't have to pay anything out of pocket for the repair or replacement. However, it's important to note that this option is not always easy to find and may not be available in all states. In some states, such as Arizona, Connecticut, Massachusetts, Minnesota, and New York, insurers are required by law to provide coverage for broken glass without a deductible. In these states, your Progressive policy will automatically include full glass coverage with no deductible. In other states, Progressive may offer this coverage voluntarily.
What About Other Types of Auto Glass?
As mentioned earlier, the $0 glass deductible option only applies to windshield repairs and replacements.However, if you have comprehensive coverage, you should still be covered for other types of auto glass damage. This includes side windows, rear windows, and other glass components of your vehicle. It's important to keep in mind that the coverage for these types of auto glass may vary depending on your state's auto insurance policy and requirements. In some cases, you may still have to pay a deductible for these types of claims. However, the insurance will cover the rest of the bill if the damage qualifies for coverage.
How Do I Qualify for Glass Coverage?
In order to qualify for glass coverage, you must have comprehensive coverage on your auto policy.This is a type of coverage that protects your vehicle from damages that are not caused by a collision. It covers things like theft, vandalism, and natural disasters. If you already have comprehensive coverage with Progressive, then you should be covered for auto glass repair and replacement. However, if you don't have comprehensive coverage or are unsure if it's included in your policy, it's best to contact your insurance agent to confirm.
Recommended Auto Glass Repair Shops
If you do need to file a claim for auto glass damage, we recommend using Safelite AutoGlass or one of its affiliated repair shops. Safelite is the largest auto glass replacement company in the country and has a great reputation for quality service and workmanship. Overall, the $0 glass deductible option in Progressive auto insurance can provide peace of mind and save you money in the event of windshield damage.Just make sure to check with your insurance agent to see if it's available in your state and if you have comprehensive coverage to qualify for glass coverage. And remember, always choose a reputable auto glass repair shop for any repairs or replacements.
