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Q

One of your answers states - Many CarInsurance.com companies offer a Full Glass or 0 Glass Deductible option that is available instead of selecting a deductible when the windshield is broken or damaged. Can you please tell me in what states these companies are in that you are referring to?


A

The answer you are referring to gives information first on states that waive the deductible for windshield and/or glass claims. As answered in that FAQ, there are only a few states in the US that waive the deductible for windshield replacements or repairs as a part of comprehensive coverage.

As you mentioned many CarInsurance.com companies in states that are not mandatory zero deductible states offer a Full Glass or 0 Glass Deductible option that is available instead of selecting a deductible when the windshield is broken or damaged.

Typically, each of our companies in the states that offer 0 Glass Deductible as an option will offer it with us. Below is a list of all the deductibles offered when you receive a quote and then during the write-up with the companies that offer these various deductible amounts when a Glass deductible along with a non-Glass deductible is offered with our partners and affiliates. So the Comprehensive portion of the policy has the first deductible amount but glass breakage claims can come with a zero deductible if you so choose.

In Arizona our partners offer deductibles of in the amount of:

  • $0/ACV w/ $0 Glass Deductible - Offered by The Hartford
  • $50 w/ $0 Glass Deductible - Offered by Encompass, The Hartford and Unitrin Direct
  • $100 w/ $0 Glass Deductible - Offered by Encompass, Esurance, The Hartford, Progressive, Safeco, Travelers and Unitrin Direct
  • $200 w/ $0 Glass Deductible - Offered by Encompass, The Hartford, Progressive and Travelers
  • $250 w/ $0 Glass Deductible - Offered by Encompass, Esurance, The Hartford, Newport, Progressive, Safeco, Travelers, QBE, and Unitrin Direct
  • $375 w/ $0 Glass Deductible - Offered by QBE Insurance
  • $500 w/ $0 Glass Deductible - Offered by Encompass, Esurance, The Hartford, Newport, Progressive, QBE, Safeco, Travelers and Unitrin Direct
  • $750 w/ $0 Glass Deductible - Offered by Encompass, Newport, QBE and Safeco
  • $1,000 w/ $0 Glass Deductible - Offered by Encompass, The Hartford, Newport, Progressive, QBE, Safeco, Travelers and Unitrin Direct
  • $1,500 w/ $0 Glass Deductible - Offered by Encompass, Esurance and Safeco
  • $2,000 w/ $0 Glass Deductible - Offered by Esurance and Safeco
  • $2,500 w/ $0 Glass Deductible - Offered by Encompass, Esurance, Progressive and Travelers

In Connecticut our partners offer deductibles of in the amount of:

  • $50 w/ $0 Glass Deductible - Offered by The Hartford, Travelers and Unitrin Direct
  • $100 w/ $0 Glass Ded - Offered by Encompass, Esurance, The Hartford, Progressive, Safeco, Travelers, Unitrin Direct
  • $200 w/ $0 Glass Ded - Offered by The Hartford, Progressive and Travelers
  • $250 w/ $0 Glass Ded. - Offered by Encompass, Esurance, The Hartford, Progressive, Safeco, Travelers and Unitrin Direct
  • $500 w/ $0 Glass Ded. - Offered by Encompass, Esurance, The Hartford, Progressive, Safeco, Travelers and Unitrin Direct
  • $750 w/$0 Glass Ded. - Offered by Safeco
  • $1,000 w/ $0 Glass Ded - Offered by Encompass, Esurance, The Hartford, Progressive, Safeco, Travelers and Unitrin Direct
  • $1,500 w/ $0 Glass Ded - Offered by Esurance, Safeco and Travelers
  • $2,000 w/ $0 Glass Ded - Offered by Esurance, Safeco and Travelers
  • $2,500 w/ $0 Glass Ded - Offered by Esurance and Travelers

In Michigan Progressive offers deductibles in amounts of:

  • $250 w/ $50 Glass Ded.
  • $500 w/ $50 Glass Ded.
  • $1000 w/ $50 Glass Ded.

In Minnesota our partners offer deductibles of in the amount of:

  • $50 w/ $0 Glass Ded - Offered by Encompass
  • $100 w/ $0 Glass Ded - Offered by Encompass, Esurance, The Hartford, Progressive, Travelers and Unitrin Direct
  • $150 w/ $0 Glass Ded - Offered by Encompass
  • $200 w/ $0 Glass Ded - Offered by Encompass, The Hartford and Travelers
  • $250 w/ $0 Glass Ded - Offered by Encompass, Esurance, The Hartford, Progressive, Travelers and Unitrin Direct
  • $500 w/ $0 Glass Ded - Offered by Encompass, Esurance, The Hartford, Progressive, Travelers and Unitrin Direct
  • $750 w/ $0 Glass Ded - Offered by Encompass
  • $1000 w/ $0 Glass Ded - Offered by Encompass, Esurance, The Hartford, Progressive, Travelers and Unitrin Direct
  • $1,500 w/ $0 Glass Ded - Offered by Encompass
  • $2,000 w/ $0 Glass Ded - Offered by Encompass

In New York our partners offer deductibles of in the amount of:

  • $50 w/ $0 Glass Ded - Offered by Encompass, The Hartford, Travelers,
  • $100 w/ $0 Glass Ded - Offered by Encompass, Esurance, The Hartford, Progressive, Safeco, Travelers and Unitrin Direct
  • $200 w/ $0 Glass Ded - Offered by Encompass, Esurance, The Hartford, Progressive, Safeco, Travelers and Unitrin Direct
  • $250 w/ $0 Glass Ded - Offered by Encompass, The Hartford, Safeco, Travelers and Unitrin Direct
  • $500 w/ $0 Glass Ded - Offered by Encompass, Esurance, The Hartford, Progressive, Safeco, Travelers and Unitrin Direct
  • $1000 w/ $0 Glass Ded - Offered by Encompass, The Hartford, Safeco, Travelers,
  • $1,500 w/ $0 Glass Ded - Offered by Travelers
  • $2,000 w/ $0 Glass Ded - Offered by Travelers
  • $2,500 w/ $0 Glass Ded - Offered by Travelers,

For some states (like SC and Florida) it is a part of the coverage (included) and not something that can be selected or not selected.

The states of Florida, Kentucky, Massachusetts 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 and Massachusetts 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. If you live in FL, MA, SC or KY you should not have to pay a deductible to get your windshield fixed or replaced. If you live in another state and have selected a zero deductible for glass breakage than you also would not have to pay a deductible amount.


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