What are the Full Glass coverage laws in Michigan?

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Things to remember...
  • Michigan has specific auto insurance laws regarding windshield glass repair work that all drivers should be aware of
  • If you choose to file a claim for auto glass service in Michigan, you may have to pay a deductible before the insurance company will pay for any related expenses
  • A small chip in your windshield could quickly expand to a large crack, necessitating a full windshield replacement service

Because of Michigan’s large size and wide open spaces, driving a car is one of the most common ways for residents to get around. This is especially true on very cold or warm days when spending time walking or riding a bike outside is not ideal.

When driving through Michigan, you may feel carefree and relaxed until you hear a thud against your windshield. Many types of objects could strike your window and damage it, and birds and rocks are among the most common of these objects.

In some cases, only a small chip in the window may appear after the impact. You may count yourself as lucky that the damage was not worse, but even a small chip requires urgent attention.

Until the chipped glass is repaired, the damage could quickly spread, and your safety on the road may be impaired.

Large cracks and shattered glass present an even more urgent need for repair or glass replacement work. These can reduce your ability to stay safe on the road, and they could also make it more challenging to see while you are driving around town or across the state.

Regardless of the type of glass service you currently need to address your damaged windshield situation, the possibility of filing an auto insurance claim should be thoroughly researched.

Filing a claim for this damage could dramatically reduce the out-of-pocket costs that you may otherwise be responsible for.

Compare car insurance quotes right here to find the coverage options you want at the best rate.

Zero-Deductible Option Glass Insurance in Michigan

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When you file any type of claim against your auto insurance policy, you generally must pay your deductible. In fact, your deductible covers the first portion of your expenses, and your insurance provider pays the remainder up to the limits of your coverage.

You may have heard that some states require auto insurance companies to offer a zero-deductible coverage option on auto glass, but Michigan is not one of those states.

While a zero-deductible option for auto glass is not legally required in Michigan, you may find some providers that offer this benefit. Others may offer a reduced deductible, such as $50, for auto glass claims.

Many, however, require you to pay your full deductible amount that was established when you set up the policy.

Not all auto insurance policies in Michigan have auto glass coverage. In fact, if you purchase a collision-only or liability-only policy, you probably do not have auto glass coverage.

Auto glass coverage is usually associated with a comprehensive insurance policy, but the terms, conditions, and the deductible amount can vary.

Unlike a collision policy that covers damages related to a vehicular collision, comprehensive insurance pays for repair work for damages caused by many types of incidents including the following:

  • a collision with an animal
  • theft
  • arson
  • vandalism
  • weather

Be aware that a comprehensive auto insurance policy does not always include full glass coverage.

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In addition, if you do have full glass coverage, it may not include a zero-deductible option, and it may have a coverage limit in place that could limit how much of the repair cost the claim will pay for.

It is important to read your existing policy terms and to contact your provider with questions before you make a final decision about whether to file a claim.

Another important step to take before filing an auto insurance claim for your damaged windshield is to review a few quotes. The cost of a repair or replacement service is often very close to or even less than many auto insurance deductibles.

If your repair cost is $300 and your deductible is $500, you can see that it would not make sense to file a claim. Your best option, in this case, would be to pay the $300 repair cost on your own.

If you need to pay for the replacement on your own and want to avoid finding yourself in this situation in the future, research new insurance policy options.

Switching to a reputable car insurance provider that has a zero or reduced deductible amount for this type of claim could save you money in the future.

Aftermarket Glass Replacement in Michigan

Many Michigan drivers are not aware that glass repair and replacement companies in this state are legally permitted to use aftermarket glass. This glass must be specifically requested by the insurance company, and its use should be disclosed in writing to you.

As a consumer, you typically do not have the option to choose what type of material you want the vendor to use unless you are paying for the replacement service on your own.

Windshield Repair in Michigan

While Michigan law leaves the type of material used in the replacement service up to your insurance company when you file a claim, you do have some choices about which provider completes the work.

The insurance company only must pay an amount equal to the quote from their provider of choice, and you would be required to pay any difference if you choose your own provider.

Filing an insurance claim for this repair project can potentially save you money, but some drivers have learned through this experience that their coverage for this type of claim is not ideal.

If you are unhappy with your coverage for glass repair or replacement services, spend a few minutes today requesting new coverage quotes and comparing coverage terms for this and other types of claims that you may file in the future.

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