Progressive Insurance: Windshield Crack Coverage Clarified

Progressive Insurance offers windshield replacement and repair coverage, but you need to have the right insurance policy. If you have comprehensive coverage, you won't pay anything for repairs as Progressive does not apply a deductible in this case. Comprehensive coverage is optional, but most drivers add it to their policy to cover windshield repairs. Windshields can be repaired if the chip or crack is less than 6 inches long. If the crack is larger than 6 inches, the windshield will need to be replaced, which your comprehensive insurance will cover. Depending on your state and policy, you may have to pay a deductible for a full windshield replacement. Progressive covers windshield damage from accidents under collision coverage and damage from non-accident-related events, such as fire, theft, vandalism, falling debris, and natural events, under comprehensive coverage.

Progressive covers windshield repairs and replacements if you have the right insurance

Progressive offers windshield repairs and replacements if you have the right insurance coverage. Comprehensive coverage is optional but covers windshield glass repairs, and most drivers add it to their car insurance policy. Comprehensive coverage can pay for a cracked or broken windshield, minus your deductible. In some states, Progressive offers a $0 deductible option for glass-only replacement claims.

Road hazards like rocks, debris from passing trucks, or unexpected weather conditions like hail can cause small chips in the glass that then blossom into larger cracks. Windshields can usually be repaired if the chip or crack is less than 6 inches long. If the crack is larger than 6 inches, the windshield will likely need to be replaced. If this is the case, your comprehensive insurance will still cover it. Depending on your state and policy, you may have to pay a deductible. For instance, if it costs $800 to replace your windshield and your comprehensive deductible is $100, you’ll pay only $100 toward the cost of the new windshield.

Collision coverage may also cover the cost to repair or replace your windshield. Repairs are generally preferred over replacements since they are less costly and less likely to leak. In addition, most windshield damage is minor and only requires small repairs. Progressive recommends Safelite AutoGlass, the country’s largest auto glass replacement company, or one of its affiliated shops. You’re also free to choose another shop you trust.

Comprehensive coverage includes windshield repair and replacement

If your windshield is damaged due to falling debris, hitting a deer or animal, or other perils, then comprehensive coverage generally covers the cost to repair or replace it. Comprehensive coverage may cover the cost to repair or replace your windshield. However, if your windshield is damaged due to an accident involving another vehicle or a stationary object like a utility pole, then collision coverage would apply instead.

In some states, such as Florida, Kentucky, and South Carolina, insurance companies cannot apply a deductible for a covered claim. This means that no deductible is charged when a customer files a claim to replace their windshield if they carry comprehensive coverage and meet all coverage requirements. There are also several other states that allow drivers to purchase separate glass coverage with their comprehensive coverage. The glass coverage has its own deductible that can be waived or lowered for windshield claims.

With Progressive, if your windshield can be repaired instead of replaced, then you won't have to pay anything in most cases. Windshields can usually be repaired if the chip or crack is less than 6 inches long. Progressive does not make you pay your deductible amount if your windshield is only chipped or if the crack is under 6 inches and can be repaired.

Collision coverage pays for windshield damage caused by accidents

If your windshield is damaged in a car accident, collision coverage will typically cover the cost of repairs or replacement. This is the case even if you are at fault for the accident. However, you may still need to pay your deductible amount yourself.

Collision coverage is an optional add-on to your auto insurance policy. It covers repairs to your vehicle, regardless of who caused the accident. So, if you rear-end another vehicle or drive into a pole and your windshield is cracked, collision coverage will likely cover the damage.

It's important to note that if your windshield can be repaired instead of replaced, you may not have to pay anything, depending on your insurance company and policy.

In some states, insurance companies are required to waive deductibles for covered comprehensive windshield damage claims. These states include Florida, Kentucky, and South Carolina. In other states, you may be able to purchase a full glass coverage add-on, which is available from some insurance providers. This type of coverage is separate from your comprehensive and collision coverage and often has a $0 deductible option.

It's also worth noting that if your windshield is damaged in an accident caused by another driver, their liability auto insurance may cover the cost of repairs or replacement, regardless of their insurance company.

In some states, you won't have to pay a deductible for windshield repairs

Progressive offers a <$0 deductible option for glass-only replacement claims> in some states. This means that in certain states, you won't have to pay a deductible for windshield repairs. This option is separate from your comprehensive deductible and gives you the flexibility to set both deductibles to your liking.

If you have comprehensive insurance and your windshield can be repaired instead of replaced, you won't pay anything for repairs as Progressive does not apply a deductible in that case. Comprehensive coverage is optional, but most drivers add it to their car insurance policy to get covered for windshield glass repairs.

Some states, including Florida, Kentucky, and South Carolina, waive the deductible for windshield repairs or replacements as part of comprehensive insurance coverage. This means that if you live in one of these states and have comprehensive insurance, your insurance company must pay for your windshield repair or replacement without charging you a deductible.

In other states, such as Arizona, Connecticut, Massachusetts, Minnesota, and New York, you can purchase separate glass coverage with no deductible on your glass claim. This option may be available to you even if you don't live in a state with a $0 deductible law.

It's important to note that the $0 deductible option for glass-only replacement claims may vary depending on the state and your specific policy with Progressive. Be sure to review your policy details or contact Progressive directly to confirm your coverage.

Comprehensive coverage is optional but most drivers add it to their policy

Comprehensive coverage also covers windshield replacement, but depending on your state and policy, you may have to pay a deductible. For example, if it costs $800 to replace your windshield and your comprehensive deductible is $100, you'll pay only $100 toward the cost of the new windshield.

In some states, such as Florida, Kentucky, and South Carolina, insurance companies cannot apply a deductible for a covered claim. Progressive also offers a $0 deductible option for glass-only replacement claims in certain states, known as a vanishing deductible.

If you have comprehensive coverage and meet all coverage requirements, your insurance company cannot apply a deductible for a covered windshield replacement claim in these states:

• Florida
• Kentucky
• South Carolina

In addition to states with free windshield replacement laws, there are a handful of states that offer, at your option in exchange for a premium, separate glass coverage with a no or low deductible option for windshield replacements. To qualify for glass coverage, these states usually require you to carry comprehensive coverage on your auto policy.

In summary, comprehensive coverage is optional but it's a good idea to add it to your policy if you want to be covered for windshield repairs and replacements.

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