North Carolina Windshield Replacement Auto Insurance (2023)
If you're looking for North Carolina windshield insurance, comprehensive and collision coverage are a must for your policy. Learn about North Carolina windshield insurance laws and how to make sure you're covered.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- It may be illegal to drive your car if the windshield has damage in the viewing area
- Comprehensive, and in some cases collision coverage, should pay for windshield repair or replacement
- Some companies may offer a zero-deductible windshield option in North Carolina
If a stone flicked up by a passing truck strikes your windshield or you’re in a heavy hailstorm, you will want to have your windshield repaired as soon as possible. How does North Carolina law apply to insurance when it comes to windshield repair?
North Carolina laws do not require insurance companies to offer a zero-deductible option for full glass repair or replacement, but you can still get repairs covered if you have comprehensive on your policy. Read on to find out more about windshield replacement in North Carolina.
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Will insurance cover windshield replacement in North Carolina?
You can only get auto glass coverage in North Carolina if you take out comprehensive coverage as part of your overall insurance policy. This level of coverage will also protect you from events like fire, theft, or collision with an animal.
You may also be covered for glass replacement through collision insurance if you have a crash with another vehicle and your windshield is damaged as a result.
Unlike some states, North Carolina does not have a rule that requires insurance companies to offer a zero-deductible option for auto glass coverage.
However, some companies may try to stand apart by offering this concession, and you’ll need to do some comparison shopping if you want to take advantage.
If you have a deductible, you’ll still have to pay at least some of the repair cost out of pocket.
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What to Know About North Carolina Windshield Replacement Laws
In North Carolina, regulators may expect you to repair or replace a windshield if damage obstructs the driver’s view. NC windshield replacement law does not go into specifics.
But, if you have a significant chip or crack in this area, it’s best to take action as soon as possible. After all, you’ll want to make sure that you can always see clearly in any conditions and avoid a ticket or warning if a law enforcement officer pulls you over.
A crack can also make it more difficult to drive at night or in the rain when you also must contend with oncoming headlights.
You might also run into trouble if you need to get your vehicle inspected by the state. After all, an inspector may not pass the vehicle if a chip or crack impedes the windshield wipers. According to the North Carolina Department of Transportation, inspectors must not approve windshield wipers if they do not operate freely.
How to Get Auto Glass Coverage in North Carolina
Here are a few tips to help you obtain full glass coverage in North Carolina:
- To protect yourself against damage to your windshield from stones, hail, or other objects, you need to request comprehensive insurance coverage from your provider.
- You may also need collision coverage to protect you if your auto glass damage is due to a collision with another vehicle.
- Ask if the company offers a no-deductible option for glass coverage.
- If you do sustain any damage, note that some laws may require you to repair or replace the windshield.
- Call your insurance company and discuss filing a claim if your windshield is broken. An agent will tell you how much your insurance will cover and explain the deductible, if appropriate.
When you have the right coverage and know what your insurance company will take care of, you should be ready to take your vehicle to a repair shop.
North Carolina’s Full Glass Coverage: The Bottom Line
If windshield cracks impede your view, you may need to repair or replace the glass. While state laws may be a little vague, federal regulations make it clear that you can’t drive if your view is noticeably obstructed.
If you want to file an insurance claim for windshield replacement in North Carolina, you will need comprehensive, or sometimes collision coverage.
Some companies offer a zero-deductible option, so you won’t have to pay anything out of pocket. Be sure you are aware of your current policy details and shop around with different companies to make sure you are getting the best deal for you.
Check out what’s available to you to make your insurance more affordable. And don’t forget to compare car insurance quotes. You can do that right here by using our free and easy rate tool below.
Frequently Asked Questions
Does auto insurance in North Carolina cover windshield replacement?
Yes, auto insurance in North Carolina can cover windshield replacement. However, it depends on the specific coverage you have selected for your policy.
What type of auto insurance coverage typically covers windshield replacement?
Comprehensive coverage is the type of auto insurance that usually covers windshield replacement. It protects against damage to your vehicle caused by incidents other than collisions, such as theft, vandalism, and natural disasters, including damage to the windshield.
Is windshield replacement covered under the minimum auto insurance requirements in North Carolina?
No, windshield replacement is not covered under the minimum auto insurance requirements in North Carolina. The minimum requirements only include liability coverage for bodily injury and property damage caused to others.
Can I add comprehensive coverage to my auto insurance policy in North Carolina?
Yes, you can add comprehensive coverage to your auto insurance policy in North Carolina. It’s an optional coverage that provides additional protection for your vehicle against various non-collision-related incidents, including windshield damage.
What is the deductible for windshield replacement under comprehensive coverage?
The deductible for windshield replacement under comprehensive coverage can vary depending on your insurance policy. Deductibles typically range from $0 to $500 or more. You’ll need to review your policy documents or contact your insurance provider to determine the specific deductible amount for windshield replacement.
Are there any limitations or restrictions on windshield replacement coverage?
Some insurance policies may have limitations or restrictions on windshield replacement coverage. Common limitations may include a maximum coverage amount, restrictions on the number of windshield replacements per policy period, or requirements to use preferred repair shops or providers. It’s important to review your policy or consult with your insurance provider to understand any specific limitations or restrictions.
Do I need to pay a separate premium for windshield replacement coverage?
The cost of windshield replacement coverage is typically included in the premium for comprehensive coverage. When you purchase comprehensive coverage as part of your auto insurance policy, the premium you pay will reflect the overall coverage, including windshield replacement.
How can I file a claim for windshield replacement?
If you have comprehensive coverage and need to file a claim for windshield replacement, you should contact your insurance provider. They will guide you through the claims process and provide instructions on how to proceed. Be prepared to provide details about the damage, any supporting documentation, and possibly schedule an inspection or repair appointment.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.