Kentucky Windshield Replacement Auto Insurance (2024)
As long as you have comprehensive coverage on your insurance policy, the Kentucky windshield replacement law dictates that policyholders do not have to pay anything out of pocket to have a windshield repaired.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 18, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Kentucky law requires that insurance companies pay for auto glass repair or replacement without asking for a deductible
- In Kentucky, you can refuse after-market parts, but you’ll have to pay the difference
- You’ll need comprehensive insurance to ensure you won’t pay anything out of pocket for windshield repairs.
Getting a crack in your windshield can be quite a headache. Regardless of how it got there, a rock, an animal, or vandalism, the repairs can be time-consuming, not to mention costly.
State law and your insurance policy dictate where your repairs take place, what parts are used, and what you’ll have to pay for out of pocket. Some states and insurance companies allow you to select your repair shop and glass vendor while some do not.
Some states even require the insurance company to pay for a repaired or replaced windshield without asking for a deductible from the policyholder. Read on to learn more about how this works in Kentucky.
Compare car insurance options for windshield replacement. Enter your ZIP code into our free rate tool above to get started.
What does the Kentucky windshield replacement law say about deductibles?
Only a handful of states have implemented laws requiring zero-deductible full glass coverage. These laws make insurance companies pay for your windshield repair without requiring you to make a deductible payment.
If you live in the state of Kentucky, you are one of the lucky drivers who get to take advantage of such laws.
According to the Kentucky state law, windshield replacement is available on any automobile policy that provides comprehensive coverage. The law states that all comprehensive policies “shall provide complete coverage for repair or replacement of damaged safety equipment, without regard to any deductible.”
Note that this only applies to comprehensive coverage, not other types such as liability or collision coverage. It also only applies to safety equipment, which includes windshields but not other windows on your car.
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What is comprehensive auto insurance coverage?
Comprehensive auto insurance is one of the most common types of car insurance. It covers damage to your vehicle not caused by a collision, such as:
- Hail
- Vandalism
- Theft
- Falling objects
- Collision with an animal
Comprehensive insurance policies cover windshield damage caused by any of the above.
If you only have liability insurance, you won’t be covered for windshield repair, because it’s not covered under Kentucky law. Liability insurance is different than comprehensive coverage in that it only covers other vehicles (not yours) in the event of an auto accident.
Collision insurance, on the other hand, will cover you for window damage that results from a collision, but not for cracks from debris or hail.
Will the new windshield match my old one?
Some state laws don’t allow for the consumer to decide if aftermarket or used parts can be used for windshield replacement, while others require vehicles to be restored to their original value.
And some states have no regulations at all.
Kentucky is one of the states that allows you to refuse used or aftermarket parts. The downside is that you may have to pay the difference in price out of your own pocket.
The best thing you can do is carefully review your policy to ensure you’re fully covered in the event you ever need windshield repair.
How can I find Kentucky windshield insurance with no deductible?
If you have a comprehensive auto insurance policy, you should already have Kentucky windshield coverage with no deductible. If you have a damaged windshield, don’t wait to get it repaired.
Federal law states that you can’t drive with any damage to your windshield that reaches the area above the steering wheel to within one inch of the edge of the windshield on any side.
Having the proper coverage in place makes it that much easier to get your repair done quickly so you can drive safely and legally.
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Is windshield repair in Kentucky really free?
Depending on your insurance coverage, you might really be able to get windshield repair for free. As you learned above, Kentucky is one state that offers full glass coverage.
As long as you have comprehensive coverage, you should be able to get a windshield repair or replacement with no out-of-pocket cost.
Only carefully comparing several policies and selecting the one that fits you the best can keep you from buying a policy that doesn’t fit your needs. Enter your ZIP code into our free comparison tool below to get started.
Frequently Asked Questions
Does auto insurance in Kentucky cover windshield replacement?
In Kentucky, windshield replacement is typically covered under comprehensive auto insurance coverage. Comprehensive coverage helps pay for damages to your vehicle that are not caused by a collision, such as theft, vandalism, or a cracked or shattered windshield.
Do I need to have comprehensive coverage to get windshield replacement coverage?
Yes, windshield replacement coverage is usually included as part of comprehensive coverage. If you have comprehensive insurance, it is likely that windshield replacement will be covered, subject to the terms and conditions of your policy.
What does windshield replacement coverage typically include?
Windshield replacement coverage usually covers the cost to replace a damaged or broken windshield. It may also cover other glass components, such as side windows or rear windows, depending on the specific terms of your policy. Deductibles may apply, so it’s important to review your policy details.
Is windshield replacement coverage required in Kentucky?
No, windshield replacement coverage is not required by law in Kentucky. However, having comprehensive coverage, which includes windshield replacement, can provide valuable protection and help cover the costs of windshield repairs or replacements.
How do I file a windshield replacement claim in Kentucky?
If you need to file a windshield replacement claim in Kentucky, you should contact your insurance provider as soon as possible. They will guide you through the claims process and provide instructions on how to proceed. Be prepared to provide details about the damage, such as when and how it occurred, and any necessary documentation or evidence.
Will filing a windshield replacement claim affect my insurance rates?
Filing a windshield replacement claim may or may not affect your insurance rates, depending on the specific circumstances and your insurance provider’s policies. Some insurance companies offer specific coverage for windshield repair or replacement that does not impact your rates. However, it’s advisable to check with your insurance provider to understand their policies regarding claim impacts on rates.
Can I choose any windshield replacement service provider?
In many cases, insurance companies have partnerships or preferred providers for windshield replacement. They may recommend or require you to use a specific network of service providers. It’s important to check with your insurance company to determine if they have any preferred providers or if you have the flexibility to choose your own service provider.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.