Some individuals perceive windshield repair or replacement offers that waive an insurance deductible to be dubious, believing they signal overinflated repair estimates or subpar quality glass.
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However, there may be valid situations in which deductibles for windshield repair and replacement can be waived. Here are three such instances:
1. You have Comprehensive Insurance
If your windshield gets cracked or chipped due to road debris, a fallen tree branch, hitting a deer, severe hailstorms or vandalism/break-in, comprehensive insurance can cover repairs or replacement without incurring a deductible payment. In such instances, comprehensive can even pay for any vandalism/break-in damage that occurred as well as vandalism/break-in damages that occur after repairs have already taken place.
Some drivers might view insurers' efforts to waive car deductibles as unethical or illegal; however, under three certain conditions your windshield deductible can legally be waived. This is particularly relevant if you have collision coverage which covers repairs caused by accidents you cause.
Pennsylvania is a choice no-fault state, allowing drivers to select either traditional or no-fault insurance policies for their vehicle. No matter which option a driver selects, any damage caused by another car should be covered by their standard collision coverage – including windshield replacement costs. Therefore it's crucial that comprehensive and collision car policies remain active on each car owned in Pennsylvania.
2. You Have Collision Insurance
Your windshield is an integral component of your vehicle. It keeps passengers inside during crashes and keeps road debris at bay; additionally, it cushions passenger airbag deployment. Unfortunately, your windshield can become damaged through various sources other than collision, which is why many states provide laws to help drivers get new windshields replaced without incurring the associated deductible costs.
Comprehensive car insurance typically provides coverage for broken glass caused by break-ins, natural disasters, falling objects or hail damage; cracks and chips caused by such events might even have their deductible waived!
Some car insurance providers offer full glass coverage as an add-on to their comprehensive policies, specifically tailored to cover auto glass repairs and replacement with no deductible amount attached to these policies.
3. You Live in a Zero-Deductible State
If you own comprehensive car insurance in Kentucky, Florida, or South Carolina and reside therein, it may be possible for you to have your windshield replaced without paying the deductible. These states have laws which mandate insurers waive comprehensive deductibles when replacing windshields; this policy encourages drivers to file claims rather than ignore cracks and chips that compromise vision when driving with broken windshields. Driving without proper vision protection can be dangerous; getting one replaced as quickly as possible may save lives!
Some may assume that car glass companies that offer to waive deductibles engage in dubious business practices; they could potentially overinflate repair estimates or cut into an insurance company's profits, yet in three instances such waiver is completely valid and legitimate.
4. You Have OEM Glass
OEM glass may qualify for free windshield replacement under your comprehensive insurance. Some states, like Florida, Kentucky and South Carolina require insurers to waive their comprehensive deductible when repairs and replacement of windshield damage occurs, while Arizona and Massachusetts offer separate glass coverage options that waive the deductible in both instances.
OEM-quality auto glass is made by the same company that manufactured your original windshield – so it looks almost exactly the same when installed on your vehicle at its initial assembly plant.
OE-quality auto glass offers exceptional clarity and durability, helping reduce the likelihood of cracks or chips that require costly repair work, as well as helping ensure a perfect fit to prevent leaks or any other potential issues in the future.