Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 12, 2020

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Things to remember...

  • Driving on an interstate can often turn bad and become a run for your life, if you happen to be hit by a flying rock lifted by another vehicle
  • Some states have regulations that force insurance companies to pay for glass repairs, while most of them do not pass these types of laws
  • Mississippi has no particular laws on glass repairs other than the parts that are allowed for usage
  • Best course of action, if exposed to this issue, is to establish communication with the insurance provider


Filled with plenty of Southern hospitality, Mississippi is a state that offers many beautiful sights and attractions.

As you might be one of the thousands of people who will drive through this state, you should know that one thing not offered, however, is a law that ensures insurance companies cover the costs of full glass repairs. Make sure to compare rates with our free quote tool above! 

This happens to be one of the few things not covered by the many insurance laws in the state.

Windshield Scratches, Cracks, and Breakage

If you are a part of the large group of people who operates a motor vehicle, you are probably aware that driving comes with many dangers.

Any lack of attention can cause a potent accident that will consume the lives of those who may simply find themselves in the wrong place at the wrong time.

Although you would assume people understand this concept, human nature is such that people will often overlook issues and expose themselves and others to perils.

Now, to be fair, what is not your fault is a rock that comes flying into your windshield while you casually drive on a highway.

Given that highways were made for us to drive fast on, hitting any flying object will amplify the impact velocity. For example, think of all the bugs that get killed whenever you take that fun road trip and your windshield becomes a moving site of a massacre.

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What are the glass laws in Mississippi?

After a windshield gets damaged or completely ruined, there are really not too many options you have. If your glass is beyond the point of saving, you are looking at a complete replacement. Finding windshield replacement insurance is an important consideration.

If there are minor chips or cracks, you might pull off a cheap repair, although this is usually not the case.

Of course, you are not allowed to drive with your sense of sight is impaired and a broken windshield, or even cracks in the glass sometimes, can be counted as vision impairment causes.

If you do not believe me, know that authorities in Mississippi are going to treat you the same whether your windows are tinted or broken, and the end result is hefty fines.

On this note, let’s take a look at what exactly is and is not covered by laws about glass replacement in Mississippi.

Zero-Deductible Full Glass Coverage

If you happen to live in this state, one of the shortcomings is that there is no law that requires insurance companies to flat-out pay for drivers’ windshield repairs. This means that there is no zero-deductible glass law that a few other states have implemented.

To be fair, even the few states that do have this type of law will only protect the driver from repair expenses if they have a comprehensive coverage policy.

What is comprehensive coverage?

Comprehensive coverage is a more expensive option that almost all insurance companies offer, and it is generally well-worth the extra money you will spend.

The basics of it include protection during any non-accident damages, and a broken windshield would be well within the scope of that. If you are in a state like Mississippi, which has no particular glass laws enacted, a lot of insurance companies will insist on this option.

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What is the replacement parts law in Mississippi?

Luckily, Mississippi law will let you use an aftermarket part as long as this is noted on the estimated costs of the repair.

Basically, the insurance company cannot force you to go directly to the manufacturer and get a brand new, original windshield.

A good side to this is all the money you will save, while a shortcoming is a fact that some drivers will buy the worst-quality glass just to save money.

If you have no idea where to even find specifics on this scenario for your own situation, the type of information mentioned will be included in your insurance policy. So be sure to at least glance through it prior to making any commitments to any vendors!

Laws Governing Choice of Repair Vendor in Mississippi

To further ease this process, Mississippi will let you select your own shop that will repair the glass problem you might have. As always, there is a side-note to this.

If you are looking to get a full refund on the repair, the insurance company will probably not pay you back if you go to the most expensive shop in the state.

The reason why they can do this is that insurance providers often have their own repair shops that they will suggest to you.

If you choose not to use any of these, they might hold you accountable for the difference in prices between your vendor and theirs. Point being, more expensive repairs will reduce your chances of getting the money back.

How can I cheap auto insurance coverage in Mississippi?

Since most of the refunds will come only if you have comprehensive coverage, how exactly do you find the best option? It is simpler than you imagine.

A great place to start is online websites that host multi-company comparisons. This way, you can look at numerous quotes, options, coverages, deductibles, and so on.

Basically, you can save yourself many hours of research as these websites already contain the information that took a lot of work to extract from all those insurance companies out there.

Ultimately, you should do everything you can to get a quality repair that will not consume all of your funds.

This is why Mississippi, a state where accidents happen daily, makes it possible for you to find your own vendor and purchase comprehensive coverage that compensates for the lack of zero-deductible glass laws.

References:

  1. http://www.carwindshields.info/windshield-chips-why-they-happen-when-and-why-to-repair
  2. http://www.dor.ms.gov/TagsTitles/Pages/Motor-Vehicles-Rules.aspx
  3. http://www.mid.ms.gov/consumers/auto-insurance.aspx
  4. http://www.carwindshields.info/is-your-windshield-repairable
  5. https://law.justia.com/codes/mississippi/2013/title-63/chapter-7/general-provisions/section-63-7-59
  6. http://www.ago.state.ms.us/wp-content/uploads/2017/05/AUTO-BODY-REPAIR-A-CONSUMERS-GUIDE_Final.pdf
  7. http://mdot.ms.gov/safetyeducation/parents/facts-and-stats/