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QuestionInsurance Question  I used to live in Florida when one of my cars windshield broke. It was covered under the comprehensive coverage portion of my car insurance policy. Now I lived in California and I have another windshield broken. My question is if also in California the deductible will be waived for the windshield replacement as in Florida?

AnswerAuto Insurance Answer

No, California does not have a state statute or law similar to Florida which waives the comprehensive coverage deductible for the repair or replacement of a windshield. Some states have this as an optional coverage (like Arizona).

Even though the state does not require insurance companies to waive the deductible attached to a comprehensive physical damage policy for windshield repair or replacement you may check with your California auto insurance provider to find out if their internal guidelines allow for the deductible to be waived or lowered for glass breakage.

To the best of our knowledge only Florida, Massachusetts, Kentucky and South Carolina, are zero deductible states when it comes to windshield repair or replacement. That means that your insurance company is required by law to allow you use your insurance coverage to replace a windshield replacement with no deductible, but you must have comprehensive insurance on your vehicle.

In Massachusetts if you have comprehensive insurance you are covered for the full amount of the damage (loss) to your windshield with no deductible unless you opted for a $100 deductible for glass breakage.

In Florida when you have comprehensive or collision the deductible is waived when the front windshield is being replace due to damage, such as it being cracked.

So Florida and Massachusetts only fully cover windshields with no deductible due, but Kentucky and South Carolina cover all glass replacement.

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