What are the Full Glass coverage laws in New York?

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Things to remember...
  • New York does not mandate insurers to provide zero deductible glass coverage
  • New York does require drivers to purchase liability insurance
  • If you want glass coverage, you’ll have to purchase a comprehensive insurance plan

Imagine heading out for work in the morning and discovering your windshield cracked. The hailstorm last night did more damage than you expected, and now you’re faced with a windshield that could cost hundreds to repair.

You may be wondering about the following:

  • Where do you go?
  • Can you file an insurance claim?
  • How long will it take to get your car back in its proper condition?
  • Can you even drive with a busted windshield?

New York drivers aren’t allowed to be on the road with any chips, cracks or other damages that impact visibility.

If the damage to your car from a rock, hail, or any other collision has affected the glass enough that you can’t see properly to drive, then you’ll have to rent or carpool until it’s fixed.

But who’s responsible? The answer depends on whether or not you have full glass coverage and a comprehensive auto insurance policy.

Compare car insurance quotes to get the coverage you need for the best price. Enter your zip code into our free rate tool above to get started.

Zero Deductible Full Glass Coverage Law in New York


New York state does not have any mandated full glass coverage laws, which means you won’t be required to sign up for it when you’re insuring your vehicle.

New York minimum auto insurance limits call for drivers to hold the following levels of coverage:

  • $25,000 per person and $50,000 per accident in body liability coverage
  • $10,000 in property damage
  • $25,000 per person and $50,000 in underinsured/uninsured motorist coverage
  • $50,000 in personal injury protection

All of this doesn’t protect you from things that happen outside of a car accident like a rock bouncing up off the road and cracking your windshield.

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What does comprehensive auto insurance cover?

In its simplest form, a comprehensive auto insurance policy kicks in when your car sustains damage from fire, theft, vandalism, natural disasters and pretty much any other event that doesn’t involve a collision with another vehicle or object.

Comprehensive car insurance limits will vary among providers, and you can add additional coverage such as full glass coverage when you buy your comprehensive auto insurance.

Full glass coverage is optional in the state of New York, so it’s important to check the limits of your insurance even if you already have a comprehensive policy.

You don’t want to have your windshield damaged and only discover then that your comprehensive coverage doesn’t extend to glass repairs or replacement.

New York Windshield Replacement Laws


Many drivers are surprised to find out that there are specific insurance laws in place when it comes to replacing the glass on a car.

In some states, a new windshield must be ordered from the vehicle manufacturer while others allow drivers to purchase replacements from other companies.

Car parts that are made and bought from a different manufacturer than the car’s original maker are called “aftermarket parts,” and in some cases, they can save drivers a lot of money.

Of course, there are limitations in place to prevent drivers from even accidentally purchasing a replacement windshield or other parts that are not as secure as the ones their vehicle was built with.

In New York, aftermarket glass replacement is allowed with a written notice from the insurer. The new glass also has to be equal to the original windshield in all regards such as fit, finish, quality and performance.

Glass Repair Vendor Laws in New York

As for repairs, there are no specific laws governing how your windshield has to be prepared.

You’ll need to speak with your insurance provider if you have glass coverage to check whether or not you need to have your car assessed by a claims inspector and whether or not you have to go to a specific mechanic.

Stay Safe by Thinking Ahead

No one can predict when their car will be damaged; even the most careful drivers can be thrown for a loop by a cracked windshield or blown-out tire.

Play it safe and check with your auto insurance provider today and ensure you have full glass coverage included in your comprehensive policy.

New York allows insurance companies to offer zero deductible glass coverage, which means you won’t have to worry about any major fees if you ever need to have your windshield or windows fixed.

You can compare free auto insurance quotes online to ensure you’re getting the most bang for your buck. Enter your zip code below and see how much you could save today!

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