Do I have to pay a deductible for windshield replacement?
For a replacement, usually yes; for a chip repair, often not. Michigan, Indiana and Illinois have no zero-deductible glass law (only Florida, Kentucky and South Carolina require that). Glass damage is covered under comprehensive coverage, subject to your deductible. Many carriers waive the deductible for a chip repair; a replacement is usually subject to it.
Common deductible amounts
Glass deductibles are commonly $100, $250, $500 or $1,000, depending on the policy. Some policies add full glass coverage that lowers or removes the deductible for glass; it is listed on your policy's declarations page.
How we handle the claim
We confirm your coverage, open the claim and bill the carrier directly, and file the glass claim for you at no charge; you pay only what your policy says you owe. In Michigan, Indiana and Illinois the choice of glass shop is yours, not the insurer's.
If the deductible is more than the job
If your deductible is higher than the cost of the work, paying yourself can make more sense than a claim. We quote the exact price for your VIN before anything is ordered, so you can compare.
Questions about windshield deductibles
Do I have to pay a deductible for windshield replacement in Michigan?
Usually, yes. Michigan has no zero-deductible glass law. Glass damage is covered under comprehensive coverage, subject to your deductible; many carriers waive it for a chip repair.
Do I have to pay a deductible for windshield replacement in Indiana?
Usually, yes. Indiana has no zero-deductible glass law. Glass damage is covered under comprehensive coverage, subject to your deductible; many carriers waive it for a chip repair.
Do I have to pay a deductible for windshield replacement in Illinois?
Usually, yes. Illinois has no zero-deductible glass law. Glass damage is covered under comprehensive coverage, subject to your deductible; many carriers waive it for a chip repair.
Can my insurer make me use a particular glass shop?
No. In Michigan, Indiana and Illinois the choice of glass shop is yours, not the insurer's.
Not sure what you will owe?
We check your coverage before any work starts and file the claim for you.