(Newswire.net — February 6, 2019) — Driving with a pitted or cracked windshield can dangerous, making it necessary to replace your damaged one as soon as possible. Depending on the state you live in, you would be qualified for a free windshield replacement. So, what states have free windshield replacement? There are three states that offer free windshield replacement with a comprehensive insurance plan. Those include South Carolina, Kentucky, and Florida.
Regulations on Windshields
Federal regulations state many minimum obligations for visibility and conditions of the windshield. Every state should enforce these requirements. Basically, the center of your windshield should be free of damages and meet safety conditions.
The Department of Transportation in each state will set their regulations which go beyond these of the federal ones. One of them administers the repair and replacement windshield, as well as the role of insurance firms in these cases.
Overview of Windshield Replacement Laws
Basically, laws for free windshield replacements are often tied to insurance laws, which can be set by different states. If you are residing in a state which issues particular insurance requirements associated with auto glass replacement, then the insurance company will pay for your windshield replacement or repair in full, even when you get a deductible. Keep in mind that these laws are often applied only to policyholders who purchase comprehensive auto insurance.
Which States Have Free Windshield Replacement?
There are three states which have free windshield replacement. These include:
Kentucky
When it comes to auto glass and windshield replacement, Kentucky is basically a “zero-deductible” state. This means that you won’t need to pay extra money for replacing a new windshield. However, this isn’t actually a free option because you have to purchase comprehensive auto insurance to be qualified for these policies.
Florida
Florida also asks insurers to waive their deductible on a windshield claim. However, this is not necessarily on auto glass.
South Carolina
South Carolina is another “zero-deductible” state for auto glass and windshield replacement claims. Just like Florida and Kentucky, you need to have comprehensive car insurance to qualify for a free replacement.
Massachusetts used to be a state with free windshield replacement before 2008 when people could enjoy this policy under comprehensive service. But now, the state allows car insurance firms to set different coverage and rates. Thus, they tend to incorporate a deductible as a part of the comprehensive coverage for lower rates.
Whether you are living a zero-deductible state or not, it is always advisable to contact your auto insurance company when the windshield gets broken or cracked. They will make a claim based on the comprehensive part of your policy and refer you to a windshield replacement specialist.
Conclusion
What states have free windshield replacement? You can be qualified for a free windshield replacement if you have comprehensive auto insurance and live in South Carolina, Florida, and Kentucky. For other states like New York, Massachusetts, and Arizona, you might get glass endorsement or glass deductible. Specific requirements will depend on each state and your conditions. Thus, make sure to check the laws and your insurance policy carefully to get the most out of these policies.