As an insurance expert, I have encountered many drivers who struggle to understand the concept of no-deductible glass coverage. This type of car insurance, also known as zero-dollar deductible for auto glass, can be a lifesaver when it comes to paying for broken windshields. However, it's not always easy to find this option in your policy. Let me break down the basics for you. First and foremost, it's important to know that several states have laws allowing for a zero-dollar deductible for auto glass.
These states include Kentucky, Arizona, South Carolina, New York, Massachusetts, Florida, and Connecticut. In other states, it may be offered as an option. This type of coverage falls under comprehensive insurance and can cover the cost of repairing or replacing a cracked or broken windshield without requiring you to pay a deductible. At Travelers, we understand the inconvenience of dealing with a damaged windshield. That's why we have partnered with suppliers who make it easy for you to get your glass repaired or replaced.
When you choose one of our partner providers, they will handle your claim and guarantee the repairs for as long as you own the vehicle. If you prefer to use a repair shop that is not one of our partners, we will guide you through the necessary steps. Regardless of which repair shop you choose, Travelers will cover the cost directly and you will only be responsible for any applicable deductible. In most cases, you can have your glass repaired at a location of your choice, whether it's at home or work. However, there may be situations where taking your vehicle to a specific glass dealer's workshop is necessary.
The good news is that in general, you won't have to pay a deductible for repairing chips or cracks in your car's glass. But as with any insurance claim, there are unique factors that may affect the outcome. For instance, if a repair attempt is unsuccessful and the windshield needs to be replaced, you will likely have to pay a deductible. Additionally, your policy may have a lower or no deductible for glass claims. If you are a glass seller, you can submit an invoice for us to review via email.
It's worth noting that some states have laws regarding glass deductibles that do not necessarily include full glass coverage, such as South Carolina, New York, Massachusetts, Florida, and Connecticut.That's where the zero-dollar glass deductible comes into play. This type of law encourages drivers to replace damaged glass without incurring any out-of-pocket costs. Some glass repair companies may even offer cash for your damaged windshield if you choose to replace it with a new one. However, it's always best to consult with your insurance company before making any decisions that could potentially affect your rates. If you are insured with GEICO, here's how the glass claim process works.
Depending on your state's auto insurance policy and requirements, filing a claim for glass damage will only require you to pay the deductible. The rest of the bill will be covered by your insurance. We recommend using Safelite AutoGlass or one of its affiliated repair shops for all your auto glass needs. As long as you have comprehensive and collision coverage, you should be covered for auto glass repair and full windshield replacement. In conclusion, having a zero-dollar deductible for auto glass can provide peace of mind and save you from unexpected expenses.
Make sure to check your policy or consult with your insurance company to see if this option is available to you. And remember, always prioritize safety on the road by promptly repairing or replacing any damaged glass on your vehicle.
