Glass coverage and deductibles

If you are dreading the cost of windshield replacement, here is the best-kept secret in auto glass: you might not have to pay anything at all. Glass coverage and out-of-pocket costs depend on your policy and deductible. In Colorado specifically, state law makes it even easier to qualify. This guide explains exactly how to determine your coverage, file the claim, and get your windshield replaced for free.

How Insurance Covers Windshield Replacement

Windshield replacement falls under your auto policy's comprehensive coverage -- the same coverage that handles hail damage, theft, and vandalism. There are three common coverage scenarios:

Colorado's Glass Coverage Law:

Colorado has one of the most driver-friendly auto glass laws in the country. Glass coverage and out-of-pocket costs depend on your policy and deductible. This means:

• Glass coverage and out-of-pocket costs depend on your policy and deductible.
• The coverage is inexpensive -- typically $1 to $3 per month
• Glass claims are not treated as at-fault incidents
• Ask your insurer whether a glass claim could affect future premiums or discounts.
• You have the legal right to choose your own glass shop

For the full breakdown of this law and how to use it, visit our dedicated free windshield replacement page.

States with Free Windshield Replacement Laws

Colorado is not the only state with favorable glass coverage laws. Glass coverage and out-of-pocket costs depend on your policy and deductible.

• Glass coverage and out-of-pocket costs depend on your policy and deductible.
• Glass coverage and out-of-pocket costs depend on your policy and deductible.
• Glass coverage and out-of-pocket costs depend on your policy and deductible.
• South Carolina: Deductible waived for windshield claims
• Glass coverage and out-of-pocket costs depend on your policy and deductible.

Glass coverage and out-of-pocket costs depend on your policy and deductible.

Step-by-Step: Filing an Insurance Windshield Claim

1. Verify your coverage: Call your insurance company or check your policy online. Ask specifically about glass coverage and your deductible amount.
2. Choose your auto glass provider: Remember, Colorado law protects your right to choose. Do not let your insurer pressure you into using their preferred vendor if you have a shop you prefer.
3. Contact the glass shop: A good auto glass provider will verify your coverage for you, handle the insurance paperwork, and schedule the appointment. You should not have to call your insurance company yourself.
4. Get the work done: The shop handles the claim directly with your insurer. Glass coverage and out-of-pocket costs depend on your policy and deductible. With a standard deductible, you pay only your deductible amount to the shop.
5. Confirm completion: Make sure you receive documentation of the work performed, including any ADAS calibration if applicable. Keep this for your records.

Common Myths About Insurance Windshield Claims

Several misconceptions prevent drivers from using coverage they are already paying for:

• Myth: Filing a glass claim raises your rates. In Colorado, glass-only claims are not considered at-fault. Your premium stays the same.
• Myth: It is not worth the hassle. Most glass shops handle the entire process for you. You make one phone call and show up for the appointment.
• Myth: Insurance will only cover cheap glass. Your insurer covers a standard replacement. If you want OEM glass, some policies cover it fully; others cover the aftermarket equivalent and you pay the difference.
• Myth: You have to use the insurer's preferred shop. Legally, in Colorado, you choose the shop. Period.

What If You Do Not Have Glass Coverage?

Glass coverage and out-of-pocket costs depend on your policy and deductible. First, call your insurance agent and add glass coverage for your next windshield issue -- it typically costs only $12 to $36 per year. Second, for your current replacement, explore cash pricing and payment plans to make the cost manageable. You can also check our Denver pricing guide to see current cash prices by vehicle type.

The Bottom Line

Glass coverage and out-of-pocket costs depend on your policy and deductible. In Colorado, the law is on your side. It is one of the best values in auto insurance, and your next windshield replacement could cost you absolutely nothing.