Illinois Windshield Insurance: What are the full glass coverage laws in Illinois?

The Illinois full glass coverage laws do not require insurance companies to waive your deductible when filing a claim for windshield damage, but you still might find a policy that does so. Learn how to make sure you're covered for this situation.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 8, 2022

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Things to remember...

  • Comprehensive insurance coverage in Illinois includes glass repair, although full glass coverage may cost extra
  • Illinois lets auto insurance companies buy aftermarket and used parts as long as this is specified in repair cost estimates
  • Illinois gives you the right to refuse used and aftermarket parts, but you must pay the difference in cost

No matter how careful you are when driving Illinois motorways, a stray pebble or piece of debris could hit your windshield, causing chips and cracks. Because windshield replacement could cost between $250 and $400, having your car insurance pay for a cracked windshield could be helpful. You can likely build your policy to include full coverage for damaged glass, but it’s essential to determine if this will save you the out-of-pocket expense.

As a responsible driver, it’s essential to learn about Illinois laws governing full glass insurance. This article will sort out the details concerning windshield coverage in the Prairie State to quickly find what you need when your car needs repair.

What does Illinois law say about full glass coverage?

Illinois law does not require insurance companies to offer full glass insurance coverage, but that doesn’t mean you won’t find a policy that covers you in this way. All fully comprehensive auto insurance coverage in Illinois includes some auto glass damage coverage. 

Some companies also offer a separate full glass option, which offers the following benefits:

  • This protection pays for damage from many causes, including burglaries and weather.
  • Full glass insurance covers side windows, rear windows, and other vehicle glass and the windshield.
  • This coverage saves you from out-of-pocket expenses if you have the budget and determine it is worth the cost.

Before filing a claim for a damaged windshield, however, you need to determine if it would help you. For example, if your comprehensive car insurance deductible is $500 and windshield repairs total $450, you might decide to pay the cost yourself rather than paying for zero-deductible coverage for glass. But if your deductible is a bit larger, you might feel more comfortable paying for zero-deductible glass protection.

Allstate windshield replacement coverage waives the deductible for windshield repair but not replacement. Different insurers have different policies, so make sure you know the details of your policy before filing a claim.

What is zero-deductible glass coverage?

If you have a zero-deductible policy, you will not have to pay a comprehensive deductible for glass repair or replacement. In other words, you pay nothing if you file a claim for damaged glass.

What does zero-deductible glass coverage cost?

Some drivers are willing to pay a bit more for the peace of mind that comes with knowing their vehicle glass is fully covered. Generally, zero-deductible insurance can raise monthly rates by as little as $5 or as much as $30, depending on the circumstances. 

Many insurers require that you carry both comprehensive and collision coverage before purchasing full glass insurance.

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What are Illinois’ laws about driving with damaged glass?

In Illinois, laws prevent drivers from getting behind the wheel if windshield damage blocks or impairs their vision. State laws also apply to stickers or anything else that prevents drivers from clearly seeing the road. 

There are a few exceptions, however, including:

  • Toll payment devices
  • GPS mechanisms
  • Stickers required by law

While these items are allowed on windshields, they must not obstruct your driving view.

If windshield damage only comprises a small area, such as a chip, you might be able to have a specialist repair it. Repair procedures are generally affordable, and your comprehensive insurance should cover the cost.

Before filing a claim for damaged glass, you should understand how windshield replacement coverage from your insurer works. Familiarize yourself with your policy and understand what it covers and what your out-of-pocket costs would total. Sometimes restrictions are placed on glass coverage, and you need to know what they are.

If you have questions, ask your insurance company before you need to file a claim. Take time to research the best options for your needs and budget and learn the average costs of repairing and replacing the glass for your particular vehicle.

What do Illinois laws say about vehicle parts?

Illinois insurance companies are not required to buy new or original equipment manufacturer (OEM) vehicle glass. State law merely specifies that the glass replacement must be the same quality and type as the original and bear an identification number. Furthermore, the insurance company must state in writing the estimate that it is paying for aftermarket or used glass.

You can choose to demand a new OEM glass for the replacement, but you will have to pay the difference in cost. Some insurance companies may also charge a fee for betterment. If you need windshield replacement coverage and want to include zero deductible glass coverage, make sure you know the details governing replacement glass.

What do Illinois laws say about glass repair vendors?

Your auto insurance company may recommend a specific vendor for glass replacement. However, Illinois laws give you the option to choose your own vendor, which might complicate the process of filing a claim.

Insurance companies cannot guarantee work done from a vendor not recommended. Therefore, you might have to handle the car insurance claim, pay for repairs, and then wait for reimbursement from the insurance company. 

Sometimes, repair shops will take over the process for you. They will file the claim, communicate with claims specialists, and collect the payment.

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Final Thoughts on Illinois Full Glass Coverage

Although Illinois laws governing windshield replacement coverage give you freedoms as a consumer, ultimately, you must decide whether to include full glass coverage. For hassle-free repair or replacement of damaged vehicle glass, be proactive. 

Full glass coverage can give you peace of mind, but you might also be paying for something you do not need. Know the typical costs for replacing and repairing glass for your particular vehicle, and make an informed decision based on your findings.

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