The short answer
Windshield repair (small chips) and replacement fall under comprehensive. FL, KY, and SC mandate zero-deductible glass coverage. Elsewhere, ask about a glass endorsement — $20–$50/year waives the comp deductible for glass. Modern ADAS windshields require calibration ($150–$400) after replacement.
Frequently asked
- Will my premium go up?
- Glass-only claims are generally not surcharged.
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