Kentucky Windshield Insurance: What are the full Glass coverage laws in Kentucky?

As long as you have comprehensive coverage on your insurance policy, the Kentucky windshield replacement law dictates that policyholders do not have to pay anything out of pocket to have a windshield repaired.

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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: May 20, 2022

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Things to remember

  • Kentucky law requires that insurance companies pay for auto glass repair or replacement without asking for a deductible
  • In Kentucky, you can refuse after-market parts, but you’ll have to pay the difference
  • You’ll need comprehensive insurance to ensure you won’t pay anything out of pocket for windshield repairs.

Getting a crack in your windshield can be quite a headache. Regardless of how it got there, a rock, an animal, or vandalism, the repairs can be time-consuming, not to mention costly.

State law and your insurance policy dictate where your repairs take place, what parts are used, and what you’ll have to pay for out of pocket. Some states and insurance companies allow you to select your repair shop and glass vendor while some do not. 

Some states even require the insurance company to pay for a repaired or replaced windshield without asking for a deductible from the policyholder. Read on to learn more about how this works in Kentucky.

Compare car insurance options for windshield replacement. Enter your ZIP code into our free rate tool above to get started.

What does the Kentucky windshield replacement law say about deductibles?

Only a handful of states have implemented laws requiring zero-deductible full glass coverage. These laws make insurance companies pay for your windshield repair without requiring you to make a deductible payment.

If you live in the state of Kentucky, you are one of the lucky drivers who get to take advantage of such laws. 

According to the Kentucky state law, windshield replacement is available on any automobile policy that provides comprehensive coverage. The law states that all comprehensive policies “shall provide complete coverage for repair or replacement of damaged safety equipment, without regard to any deductible.”

Note that this only applies to comprehensive coverage, not other types such as liability or collision coverage. It also only applies to safety equipment, which includes windshields but not other windows on your car.

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What is comprehensive auto insurance coverage?

Comprehensive auto insurance is one of the most common types of car insurance. It covers damage to your vehicle not caused by a collision, such as:

  • Hail
  • Vandalism
  • Theft
  • Falling objects
  • Collision with an animal

Comprehensive insurance policies cover windshield damage caused by any of the above.

If you only have liability insurance, you won’t be covered for windshield repair, because it’s not covered under Kentucky law. Liability insurance is different than comprehensive coverage in that it only covers other vehicles (not yours) in the event of an auto accident. 

Collision insurance, on the other hand, will cover you for window damage that results from a collision, but not for cracks from debris or hail.

Will the new windshield match my old one?

Some state laws don’t allow for the consumer to decide if aftermarket or used parts can be used for windshield replacement, while others require vehicles to be restored to their original value. 

And some states have no regulations at all.

Kentucky is one of the states that allows you to refuse used or aftermarket parts. The downside is that you may have to pay the difference in price out of your own pocket.

The best thing you can do is carefully review your policy to ensure you’re fully covered in the event you ever need windshield repair.  

How can I find Kentucky windshield insurance with no deductible?

If you have a comprehensive auto insurance policy, you should already have Kentucky windshield coverage with no deductible. If you have a damaged windshield, don’t wait to get it repaired. 

Federal law states that you can’t drive with any damage to your windshield that reaches the area above the steering wheel to within one inch of the edge of the windshield on any side. 

Having the proper coverage in place makes it that much easier to get your repair done quickly so you can drive safely and legally.

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Is windshield repair in Kentucky really free? 

Depending on your insurance coverage, you might really be able to get windshield repair for free. As you learned above, Kentucky is one state that offers full glass coverage. 

As long as you have comprehensive coverage, you should be able to get a windshield repair or replacement with no out-of-pocket cost.

Only carefully comparing several policies and selecting the one that fits you the best can keep you from buying a policy that doesn’t fit your needs. Enter your ZIP code into our free comparison tool below to get started.

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