It’s possible to have the deductible for your windshield replacement waived off completely. When this happens, you won’t have to pay for anything out of pocket.
But how can you replace the windshield without paying a single dime?
There are in fact three situations where a car repair shop would gladly waive your deductible:
- If you have collision insurance
- If you have comprehensive car insurance
- If you live in a zero deductible state
Before we teach you how it’s done, let us first understand what a deductible is.
Car Insurance Deductibles: How Do They Work?
Your car insurance company determines your deductible. As far as windshield replacement is concerned, it refers to the amount you have to pay for the service.
To illustrate, let’s say your car has to undergo $3,000 worth of repairs and replacement services. Based on your policy, you have a $500 deductible and a $3,000 coverage. Waiving the $500 deductible means that your car insurance provider will completely shoulder the $3,000 bill.
Depending on your policy, car insurance deductibles can range from $100 to $2,000. Usually, higher premiums translate to lower deductibles. Lower premiums would mean higher deductibles.
3 Clever Ways to Get Your Deductible Waived for Windshield Replacement
1. Car Collision Insurance
If you get into a collision accident and you happen to live in a no-fault state, it means that drivers are expected to pay for their respective damages no matter who is at fault. In which case, the deductible will be covered by your insurance.
Alternatively, if you live in a choice no-fault state and decide to opt out of the traditional no-fault car insurance, what you basically have is tort-based coverage. In which case, the deductible and all other costs (including repairs) will be paid for by the driver at fault.
2. Comprehensive Car Insurance
Drivers who have comprehensive insurance policies usually enjoy full coverage for car glass repairs and replacement. These include windshield damage caused by the following named perils:
- Hail storm
- Natural disasters
- Fallen objects
- Break-ins and vandalism
Covered perils can vary extensively depending on your state and provider, and may include more or less. As long as damages are not a direct result of a collision or other accidents, then your insurance will likely pay to have the windshield repaired or replaced.
Take note that some insurance companies have deductibles and others don’t. It’s best to talk with your provider to find out. If you don’t have deductibles, then you wouldn’t have to pay for damages.
3. Zero Deductible States
If you live in one of three U.S. states with zero deductibles, consider yourself lucky. Granted that you have a comprehensive car insurance policy, your deductibles for windshield replacement will be automatically waived off!
The zero deductible states include Florida, Massachusetts, and South Carolina. The law was implemented to promote vehicle safety, especially since people have little reason to be driving around with damaged windshields.
In all three scenarios stated above, you can legally waive off the deductible of your windshield replacement. If you work with a trusted car repair service, there’s no need to worry about getting involved in shady practices.