Pennsylvania Windshield Replacement Auto Insurance (2024)

Pennsylvania doesn’t require full glass coverage, so the cost of windshield replacement in PA is not always included in your auto insurance policy. However, if the damage is significant enough to change the shape or integrity of the glass, continuing to drive your car can be illegal.

Avoid the necessity of paying for costly repairs outright. Ask your insurance company about zero-dollar deductible options to include this important coverage. Keep reading to find affordable auto insurance rates on a policy with windshield protection that covers other common auto issues.

Coverage for Windshield Replacement in Pennsylvania

Zero-deductible insurance for glass services is not legally required in Pennsylvania. You must review your existing coverage to determine if this benefit is included. If not, you may want to buy new auto insurance coverage.

You can opt for auto insurance with a full glass coverage option. This means your company will cover the cost of needed services up to your policy limits without needing to meet a deductible. However, you are responsible for paying the difference if the glass replacement or repair costs exceed your coverage limits.

Another important consideration is your car insurance deductible for full glass coverage. If you don’t have a zero-deductible policy, compare your deductible with insurance quotes for glass repair and windshield replacement. This information, along with your coverage limit, will help you determine the value of your policy and if filing a claim is the best option.

Does comprehensive auto insurance include windshield replacement in Pennsylvania?

Some car insurance policies include repair or replacement, but coverage varies widely. If you want glass replacement benefits, buy comprehensive auto insurance. 

Not all companies offer comprehensive plans with glass coverage, and some restrictions may limit repairs to those related to incidents such as collisions, weather, or auto theft, so examine your policy and rates thoroughly. In addition, full glass service may come with a different deductible and limits than other services.

Is it legal to drive with a cracked windshield in Pennsylvania?

Along with decreased safety, flaws in your auto glass can be illegal in some situations. Pennsylvania windshield laws outline the requirements all drivers must comply with, including the following regulations regarding cracks and chips in windshields:

• No glass that is shattered or has sharp edges is permitted.
• No cracks or chips are permitted in the center of the windshield on the driver’s side.
• Damage or discoloration that obstructs the driver’s vision is not permitted in any part of the auto glass, including windows.
• Glass should not have any etchings other than for identification purposes.

Failure to comply can result in a citation or fine. Vehicles that display these types of issues will also fail the state’s vehicle inspection.

Is it safe to drive with a damaged windshield?

Cracked auto glass is often the result of a collision, but it can occur at any time if an object strikes your windshield at great force. 

Car glass is designed to be stronger than regular glass to withstand impact. However, any type of projectile that contacts your windshield could potentially cause damage. If the right object hits at high speed or with significant force, it can crack or even shatter your windshield.

If your car has sustained glass damage, even a chip or a small crack, quickly find a repair or windshield replacement service. Minor issues should not be brushed off as an inconvenience or a purely cosmetic concern.

Even the smallest flaw can create structural issues with the glass, making it more vulnerable to further damage and less effective as a protective barrier. Minor issues can also decrease your visibility and make it unsafe to drive.

How to Find a Repair Service for Windshield Replacement in Pennsylvania

When your car glass is damaged, take it to a trusted company with a good reputation to complete the repairs. Pennsylvania doesn’t have laws against the use of aftermarket glass. You may assume that your glass replacement was done using new OEM glass, but that isn’t always the case.

Your insurance company could require aftermarket glass when you file a claim as a strategy to keep the cost of repairs down. Glass companies are also not required to notify you in writing of the type of glass used in the repair. 

Before you choose your glass company, obtain a few quotes to compare the rates and terms of the service. Always find out the details of the repair work and what type of glass is going to be used in your windshield replacement in PA, and ask questions if anything is unclear.

Examine your policy for details to find out if your insurance claim is affected if you ask for OEM glass. It’s possible that making adjustments will render your claim invalid and require you to pay out of pocket. 

However, Pennsylvania law gives you the right to choose the glass company that completes the work on your vehicle. Your insurance company may only require you to pay for the difference in materials if you request something of higher quality.

Take the time to research your options and compare a few quotes so you can select the best company for the job. If you currently have an insurance policy that doesn’t include full glass coverage benefits, now is the perfect time to upgrade to your policy.

What You Need to Know About Pennsylvania Full Glass Coverage

You must repair or replace your damaged windshield. However, Pennsylvania law doesn’t require full glass coverage but allows you to choose the windshield repair company when filing claims. 

Check with your insurance company for full glass coverage options. Full glass coverage with a zero-deductible can help you with windshield repair and replacement costs.