There are three common situations where a shop might not charge you the deductible for a new windshield:

• Your collision insurance will cover the cost of replacing your windshield.
• Your comprehensive auto insurance will cover the expense of getting a new windshield.
• The glass will be replaced at a “zero-deductible” state.

You might have seen ads saying they’ll waive your deductible, and wondered how that works. It’s not necessarily shady business. This post aims to clear up any confusion by explaining these situations.

What Is a Deductible?

The deductible is part of your car insurance. When you’re in a car accident, your insurance steps in to pay most of the repair costs. But the deductible is what you, the car owner, have to pay. For example, if your deductible is $500 and your repair costs $5,000, you pay $500 and your insurance covers the remaining $4,500.

Most car insurance deductibles range from $100 to $2,000. That’s why an offer to waive your deductible can sound tempting.

Let’s look at three scenarios where your insurance deductible might be waived for a new windshield.

Collision Insurance Coverage

Standard collision insurance typically covers windshield damage resulting from accidents that weren’t your fault. In Pennsylvania, it’s a no-fault choice state. This means drivers can pick between no-fault and traditional insurance options. If another driver is responsible for damaging your vehicle, their insurance should handle the repair costs, including the deductible.

Comprehensive Insurance Coverage

Comprehensive insurance policies usually cover car glass replacement or repair. They protect against things like vandalism, natural disasters, and objects falling onto your car. This coverage even includes damage from hail or animals.

Comprehensive insurance might waive the deductible for cracks and chips that aren’t from accidents. If you need to fix or replace your windshield, it’s a good idea to check your insurance policy.

This post was written by a professional at At Home Auto Glass. At Home Auto Glass is your prime destination for auto glass services, catering to a diverse array of vehicles and needs. We work with insurance companies to get your new windshield today! Specializing in windshield repair and replacement, we ensure clarity and safety for every drive. Our expertise doesn’t end there; we also offer back glass replacement, side window replacement, and cater to specific needs for RV glass, commercial vehicles, luxury vehicles, and classic cars, ensuring that every vehicle type is serviced with precision and care. Proudly serving Florida, our reach extends across Sarasota, Tampa, Orlando, Fort Myers, Tallahassee, Ocala, Gainesville, and Jacksonville. Call us now to get your quote for your mobile windshield replacement Florida.