Under the North Carolina windshield replacement law, you must have comprehensive insurance to file a claim to replace a windshield.

Comprehensive car insurance is optional, and comes with a deductible, or the amount you pay before your policy pays out for repairs. To file an insurance claim for damage to your windshield from, say, a flying rock, you need to have comprehensive coverage as part of your policy. Comprehensive insurance covers damage from falling objects, as well as from fire, flooding, hail, vandalism and animal collisions. Comprehensive insurance also covers theft. It pays out up to the actual cash value of your car.

The cost of comprehensive coverage is affordable, on average $192 a year. You can choose the deductible amount, and typically drivers select a $500 deductible.

North Carolina car insurance is among the most affordable in the nation, the tenth cheapest, so adding comprehensive coverage likely won’t bust your budget. A full coverage policy including comprehensive and collision insurance with a $500 deductible costs $1,425, for the average North Carolina driver, which is about $990 more than a liability-only policy. So, you pay about $83 more a month for full coverage.

In Kentucky, Florida and South Carolina, drivers can file a comprehensive insurance claim to replace a windshield and do not have to pay the deductible. These three states are called “zero deductible states" for this reason.

Arizona, Connecticut, Massachusetts, Minnesota and New York allow policyholders to waive the deductible in exchange for an increase in comprehensive premium.

Regardless of what state you live in, according to the Insurance Journal, most major carriers will waive the comprehensive deductible for repairs, but not replacement, of windshields.

However, some car insurance companies will include glass repair and replacement at no charge to you, meaning there is no deductible. You may pay a bit more for the policy overall, but it might be worth it if this is an important issue for you. If windshield replacement and repair is a big priority for you, be sure to ask how it's handled by insurers you're considering when you shop for a policy. You may pay a bit more for the policy overall, bu