Question: Does Kentucky have free windshield replacement? And if so how do I go about getting it?
Answer: Yes, you can get your windshield replaced for "free" -- meaning no deductible is paid -- in Kentucky, but you must have Kentucky comprehensive insurance coverage on your vehicle. If you only have liability coverage on your vehicle, then you'll have to pay to get your windshield replaced in Kentucky.
So, if you have Kentucky-based comprehensive insurance, state laws say that your insurance company will waive the deductible for windshield repair or replacement, which means no out-of-pocket expense for you.
Kentucky Revised Statute (KRS) 304.20-060 is titled coverage for safety equipment, definition and states:
(1) As used in this section, "safety equipment" shall mean only the glass used in the windshield, doors, and windows, and the glass, plastic, or other material used in the lights required by KRS Chapter 189 on any automobile.
(2) Any automobile insurance policy that provides comprehensive coverage, whether designated as such, or included within a broader coverage, shall provide complete coverage for repair or replacement of damaged safety equipment, without regard to any deductible or minimum amount.
There are only a few states in the U.S. that waive the deductible for windshield replacements or repairs. The states of Florida, Kentucky and South Carolina waive the deductible, and thus are referred to by some as zero-deductible states with regards to windshield claims.
In these states, your insurance company is required by law to repair or replace your windshield with no deductible charged -- as long as you have comprehensive insurance on your vehicle. Florida only fully cover windshields, but Kentucky and South Carolina cover all glass replacement with no deductible.
If your windshield has been cracked or broken so that it needs repaired or replaced than you should make a claim through the comprehensive portion of your auto insurance policy. As long as you don't make too many claims with your car insurance provider, this type of claim is unlikely to raise your car insurance rates. But your rates do go up, then compare car insurance companies and look for the best rates for your needs.