Nevada Windshield Replacement Auto Insurance (2024)

If you live in Nevada and your vehicle has a chipped or cracked windshield, you will be weighing your options. Do you need to repair it immediately and should you file a claim against your insurance policy? Will you have to pay a car insurance deductible or are there some state laws that say you may have another option?

In this case, you’ll want to know all about the Nevada glass laws and how they may affect you. We’ve done the research and reported our findings below.

What are the windshield glass laws in Nevada?

The Nevada government does not have laws specifically referring to windshield damage. The legislators simply say that “your windshield and windows must be unobstructed,” according to regulation number NRS 484D.435. While the detail refers to fixing signs, posters, or nontransparent material on the windshield and does not mention any cracks, authorities may decide that you have an obstructed view if the cracks or chips are in your direct field of vision.

The state legislature does not insist that insurance companies offer you a zero deductible option. Some states require insurers to include this option, while others do not. Find out about the full glass insurance laws in Florida, for example.

Nevada does not have any position regarding whether you need to replace the windshield with original equipment or if aftermarket glass would be okay. However, rules do insist that the glass must contain safety glazing materials.

What rules do insurance companies have about repairing auto glass in Nevada?

Given the windshield glass laws in Nevada, you should now find out what your insurance company may require if you decide to claim for this damage. Will auto insurance cover a cracked windshield?

First, you will need to have comprehensive auto insurance coverage in place so you can make a comprehensive claim for auto insurance. This would apply if a passing truck threw a stone or other debris that struck your windshield and caused the damage. 

You could claim against your collision coverage if an impact with another vehicle resulted in a broken windshield. In every case, you may need to read the small print as even if you have comprehensive insurance coverage, it may not automatically include full glass replacement.

What about a deductible when replacing a windshield in Nevada?

If you have a deductible, the auto insurance company will withhold this amount before paying you to replace the windshield. It may insist that you take the vehicle to a repair shop that’s on the company’s list of trusted providers.

In some cases, your insurer may not agree to pay you if you insist on using your own shop.

Do I need to repair or replace a windshield in Nevada?

Usually, you should replace the windshield if the damage is in front of the driver and may obstruct their vision. Certain types of damage can be repaired, such as “star” or “bull’s-eye” patterns that vary depending on the speed and trajectory of the object hit your windshield.

Should I file a claim with my car insurance for windshield damage in Nevada?

To answer this, you must weigh all the pros and cons. 

For example, you may need to pay a deductible, and your rates may go up in the future due to the claim. You should look at the overall cost of replacing or repairing the windshield to see if it is economically viable for you to file a claim or pay for the repairs out of pocket.

Should I wait or act as soon as possible to repair my windshield?

If the damage to your windshield is not immediately within the driver’s field of vision, you may want to put things off. However, remember that small chips or cracks can develop and may spread when you hit potholes or other bumps. 

If you act as soon as possible, a repair shop may be able to fix a chip or crack, but if you leave it too long, then you may need to replace the windshield entirely.

Final Thoughts on the Nevada Windshield Laws

Nevada does not have many laws that relate to windshields. The legislators insist that your windshield must be unobstructed and that the new glass must contain safety glazing materials if you replace it. As of 2022, Nevada legislation does not have laws requiring insurance companies to offer you a zero deductible option or to waive the deductible.