Kentucky is one of a small number of states with a specific law about auto glass insurance. Under KRS 304.20-060, if you have comprehensive coverage on your auto policy, your insurance company is not allowed to apply your deductible to a windshield replacement or repair. In practice, that means most Kentucky drivers can get their windshield replaced at no out of pocket cost. What the law actually says The Kentucky statute prohibits insurance companies from imposing a deductible specifically for safety glass damage to passenger vehicles. The deductible still applies to other comprehensive losses, like a tree branch denting the hood, but not to the glass portion. Your premium is not automatically affected by filing a glass-only comprehensive claim, though we always recommend confirming that with your agent. What’s covered Windshield replacement, windshield repair, side window replacement in most policies, and rear window replacement. ADAS calibration that’s required as part of the windshield replacement is also typically covered. How we handle it You give us your insurance information when you schedule. We verify your coverage with your insurance company before the appointment. We file the claim, handle the paperwork, and you sign the work order when we’re done. You don’t have to call your insurance company, fax anything, or chase down approval. We take care of all of it. Call 502-709-8693 to schedule.
FAQ
Do I have to use the shop my insurance company recommends?
No. Kentucky law gives you the right to choose any shop. We work with all major insurance companies and the claim process is the same.
What if I don’t have comprehensive coverage?
Then you’ll pay out of pocket. We’ll give you an upfront quote when you call.
Will this raise my rates?
Comprehensive glass claims typically do not affect your premium the way at-fault claims do. We recommend confirming with your agent.
