06/10/2026
Insurance confusion cleared up: COMPREHENSIVE COVERAGE (not collision or liability) covers glass damage from road debris, rocks, vandalism, weather. Most people have this but not everyone. Full glass coverage option (added to comprehensive) waives deductible for windshield repairs and replacements (usually costs $20-$40 annually as policy add-on). Our insurance guide explains state by state: Zero deductible states (FL, KY, SC) give automatic full coverage by law. Optional coverage states let you buy full glass rider separately. Standard comprehensive states apply regular deductible unless damage is repairable chip (many insurers waive deductible for repairs to prevent later costly replacement). Article includes how to check your policy, whether claims affect rates (usually no for comprehensive glass), and out of pocket costs if uninsured ($300-$800 replacement plus $300-$600 ADAS calibration if applicable). Know before you need.
https://www.autoglassandtintshop.com/insurance-cover-windshield-no-deductible-ks/