Full glass coverage is extra glass coverage that you purchase separately from your auto insurance policy. With coverage, you don’t have to pay a deductible for the replacement or repair of your damaged car glass.
In other words, when you see full glass on your policy, you don’t have to worry about out-of-pocket expenses for the replacement or repair of damaged vehicle glass.
It is a cost-effective option to add windshield protection to your car policy. Even if you purchase the comprehensive insurance policy only, not all windshield damage events will be covered.
Because windshields can be very expensive to repair, adding full glass coverage to your policy will keep your mind at rest in case it get damaged in an accident.
How Does Full Glass Coverage Work?
Just like I have mentioned above, full glass coverage is an extra insurance option that pays for fixing or replacing your car’s windshield and other glass if they get damaged.
If you have this coverage and need a glass repair, you can file a claim with your car insurance. If the claim is approved, your insurance will cover the cost to fix or replace the damaged glass, up to the car’s cash value.
However, in certain cases, insurers may require you to purchase comprehensive or collision coverage before you can add this add-on to your policy, which will be effective after an accident.
This add-on will pay for your car glass replacements or repairs of the sunroof, exterior mirrors, windshields, and windows.
When Does My Car Insurance Policy Not Cover Full Glass?
State laws and your insurance type can affect whether your insurance policy will cover glass damage. For instance, if you have liability-only insurance, it won’t cover the damage, but comprehensive and collision policies will.
However, with collision and comprehensive coverage, you’ll need to pay your deductible first before the insurance kicks in, which could mean covering most or all repair costs yourself.
Some states require insurance companies to offer zero-deductible glass repairs, including:
- Arizona
- Florida
- Kentucky
- South Carolina
Massachusetts and New York are often believed to be on this list. Drivers there can opt for a low or $0 deductible for comprehensive coverage, though insurers aren’t required to offer $0 deductible glass coverage. Connecticut used to mandate zero-deductible glass repairs.
However, due to recent changes, state policyholders without the add-on coverage will have to pay their deductibles before the glass coverage starts.
Is Full Glass Coverage Worth It?
Although adding this coverage to your policy may increase your monthly premium, it is a very good option. It can be a smart choice for drivers who want assurance that their insurance will handle glass repairs and replacements.
Particularly if they have a high deductible on their comprehensive insurance. To determine if it’s a good choice for you, compare the cost of the coverage with the potential savings.
Full glass coverage could save you up to $1,500 in windshield replacement costs. Also, it makes sure that you won’t be driving with a damaged windshield, as it makes getting repairs and replacements straightforward and hassle-free.
Where Can I Purchase Full Glass Coverage?
Always keep in mind that it is not available across all insurance companies. For instance, a company like GEICO does not offer it. Some add it to their comprehensive coverage, while others do it separately.
You will need to check your policy or contact your insurance company if it is listed on your policy.
Just so you know, some states legally require insurance companies to include full glass coverage. Some of the companies that offer it include Allstate, Kemper, Gainsco, National General, Madison Mutual, Progressive, Clearcover, and Nationwide.
So, you can go to these insurance companies if you want to purchase a full car insurance policy. Ensure that you compare rates and quotes from multiple insurers to be on the safer side.
