Glossary

Full glass coverage

An option that pays for windshield and window repair or replacement with no deductible, usually added to comprehensive coverage.

Also called: zero-deductible glass, glass coverage, full glass, windshield coverage

Deductibles

Full glass coverage waives your deductible for damaged auto glass. Glass is normally covered under comprehensive coverage, so a cracked windshield would be subject to your comprehensive deductible; with full glass coverage, the insurer pays the whole cost of repairing or replacing the windshield and, depending on the policy, side and rear windows, sunroofs and mirror glass.

It matters because replacement costs have climbed, partly because many windshields hold cameras that need ADAS calibration after a replacement. Without it, a $900 windshield replacement under a $500 deductible costs you $500. Many insurers waive the deductible for small chip repairs anyway, since a repair costs far less than a replacement.

Some states require zero-deductible glass coverage for drivers who carry comprehensive. Kentucky law bars a deductible on glass-only claims and covers camera recalibration, South Carolina has a similar rule, and Florida's applies to windshields. Elsewhere, it is an optional endorsement with a modest added premium. Insurers often route glass claims through a glass network administrator, but you can usually choose your own shop, and some states, Kentucky among them, guarantee that choice. Before a replacement, ask whether OEM or aftermarket glass will be used. See full glass coverage and zero-deductible windshield repair.

Last reviewed October 4, 2026

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Related terms

Comprehensive coverage Pays for damage to your car from causes other than a crash, such as theft, fire, hail, flood, falling objects, vandalism or hitting an animal. Deductible The amount you pay toward a covered loss before your insurer pays the rest, set per claim for coverages like collision and comprehensive. ADAS calibration Re-aiming a car's safety cameras and radar after a repair or windshield replacement so features like emergency braking work correctly. Endorsement A written amendment to an insurance policy that adds, removes or changes coverage, such as rideshare use, rental coverage or OEM parts. Direct repair program An arrangement between an insurer and approved body shops that accept its pricing and procedures in exchange for referred repair work.

Related guides

Driver-assistance sensors and the cost of repairs Why cameras and radar in bumpers and windshields raise repair bills, what calibration involves, and why equipped cars still cost insurers less overall. Comprehensive coverage explained What comprehensive pays for (theft, hail, flood, fire, vandalism, animals, glass), how the deductible and payout work, and when it is worth keeping. Full glass coverage and zero-deductible windshield repair Which states require zero-deductible glass claims (Florida, Kentucky, South Carolina), where it's optional, and how to handle a cracked windshield. How car insurance deductibles work A deductible is the part of a covered claim you pay before insurance pays the rest. Which coverages have one, how it is applied and when it is waived. Windshield and glass claims Which coverage pays for a chipped or broken windshield, the states that waive the deductible, how glass claim networks work, and why camera calibration matters.

Related insurers

Acuity Insurance Sheboygan, Wisconsin mutual in business since 1925 that sells business, home and auto insurance through independent agents in more than 30 states. Cincinnati Insurance An Ohio insurer founded by four agents in 1950 that sells home-and-auto accounts only through independent agencies in 45 states, with an A+ AM Best rating. Grange Insurance Columbus, Ohio, mutual founded by Ohio State Grange members in 1935, selling auto, home and business coverage through independent agents in 13 states. Mutual of Enumclaw A Washington mutual founded by farmers in 1898, selling home, auto, business and farm insurance only through independent agents in seven Western states. North Carolina Farm Bureau Insurance Raleigh-based policyholder-owned mutual, founded in 1953, that sells auto, home and farm insurance only in North Carolina through agents in all 100 counties.