Utah Windshield Replacement Insurance: What are the Full Glass coverage laws in Utah?

Utah isn’t one of the zero deductible windshield states, so car insurance companies can charge a deductible.

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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 11, 2022

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Things to remember

  • Auto insurance companies in Utah can charge a deductible for windshield repairs and replacement, meaning that Utah windshield replacement insurance might not be worth it
  • Zero deductible windshield states include Kentucky and Arizona
  • Some companies like GEICO and USAA don’t charge a deductible for windshield repairs

Getting a chip or crack in your windshield is inevitable. Thankfully, your auto insurance may cover the cost if you have the correct coverage.

Although there are a few zero deductible windshield states, Utah isn’t one of them. Instead, Utah law allows auto insurance companies to charge a deductible to repair or replace a windshield.

Some car insurance companies like GEICO don’t charge drivers to repair or replace windshields, but if your company does charge, don’t worry. Many insurance companies offer zero deductible glass coverage.

In addition, repairing a windshield is typically inexpensive, so you may not need to involve your auto insurance company. Windshield replacements may also be less than your deductible.

You’ll also need comprehensive coverage to cover windshield damage, whether your auto insurance company charges a deductible or not.

Keep reading about windshield replacement in Utah, and learn about zero deductible windshield states.

What are the Utah cracked windshield laws regarding replacement and repairs?

Will my insurance cover a cracked windshield? Yes, if you have the correct coverage.

As with other aspects of auto insurance, every state has different laws regarding windshield repairs and replacements. However, drivers must carry comprehensive coverage to cover windshield damages in all states.

Comprehensive insurance pays for damages to your vehicle unrelated to an accident. So, for example, if a rock flies up on the interstate and cracks your windshield, comprehensive coverage kicks in.

If your windshield gets damaged in an accident, either your collision coverage or the other driver’s liability coverage pays for damages.

While some states don’t allow insurance companies to charge for windshield replacement and repairs, Utah does. Drivers must pay the comprehensive deductible to repair windshield damages.

In addition, auto insurance companies in Utah can use either original or aftermarket parts to repair damages. Most people prefer original equipment manufacturer parts since the car company makes them, but those parts are usually more expensive.

The repair company must inform you of what parts it’s using.

While Utah allows drivers to choose their repair company, there is a catch. If your repair company charges more than the company suggested by the car insurance company, you’ll have to pay the difference.

Fortunately, many auto insurance companies offer glass coverage that you can add to your policy to avoid paying a deductible for repairs or replacement.

Some auto insurance companies, including GEICO, USAA, and Progressive, offer free glass repair.

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What is zero deductible windshield repair?

Zero deductible windshield repair is just like it sounds. Some auto insurance companies offer drivers additional coverage to repair or replace a windshield with no deductible.

While some companies include this in every policy with comprehensive coverage, other companies sell the coverage as an add-on. The cost of the additional coverage varies by auto insurance company and state. 

In some cases, only repairs are free, and drivers must pay a deductible for windshield replacement. 

Generally, the windshield is repairable if the chip or crack is smaller than a dollar bill. However, fixing the windshield is a better option since replacements can leak.

Additionally, onsite repairs are usually quick, while replacing the windshield requires a trip to the repair shop.

Insurance may not cover all glass damage. For example, windshield repairs may have coverage while side windows don’t — it depends on the coverage provided. Read your policy carefully to determine what your glass coverage pays.

Unfortunately, Utah doesn’t require auto insurance companies to offer windshield repairs with no deductible. So you’ll be responsible for your comprehensive deductible if you use your insurance to repair or replace your windshield.

What are the zero deductible windshield states?

Every state’s laws regarding windshield repairs and replacement are different.

Several states have laws requiring auto insurance companies to offer free windshield replacement and repairs. Because a damaged windshield can be dangerous, these states believe making repairs easy is important.

Arizona and Kentucky offer free repairs and replacement for any glass in your vehicle, including your windshield, side windows, and other tempered glass.

Florida and South Carolina require auto insurance companies to repair and replace windshields for free, but you could incur a deductible for other glass damages..

Like Connecticut, Massachusetts, and New York, some states allow insurance companies to sell glass coverage with no deductible. However, there is a fee charged for the coverage.

Some companies offer free windshield repairs no matter where you live. Since an undamaged windshield lessens the chance of an accident, many insurance companies believe it’s vital to provide repairs with no deductible.

Should you use Utah windshield replacement insurance to fix a crack?

Typically, it makes sense to use your auto insurance to repair your vehicle when it’s damaged, but that may not be the case for your windshield.

If you live in a state where you don’t have to pay a deductible to repair your windshield, there’s no downside to using your insurance. Usually, your car insurance rates don’t increase from a glass claim.

However, if you live in a state allowing auto insurance companies to charge you a deductible for windshield repairs, using your insurance may not be the best option.

Windshield repairs are generally inexpensive and may be less than your deductible. If your windshield needs replacement, costs are higher, but it could still be less expensive than your deductible.

For example, suppose you have a $500 deductible on your comprehensive coverage. If repairing your windshield costs $300, filing a claim isn’t worth it. Instead, pay for the repairs yourself.

In addition, you can choose who does your repairs instead of using the company recommended by your insurance company. Remember, you’ll have to pay the difference if your company is more expensive in Utah.

You’ll also have more control over which parts are used in your repairs. For example, if you use your auto insurance in Utah, repair shops may use aftermarket parts since they are inexpensive..

Your policy explains your comprehensive deductible and whether windshield repairs or replacements are covered.

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Utah Windshield Replacement Insurance: The Bottom Line

Utah doesn’t require auto insurance companies to offer windshield replacement or repairs at no cost. Instead, you’ll have to pay your Utah auto insurance comprehensive deductible for your insurance to cover repairs.

Your Utah auto insurance company can also choose the part types used in the repair if the company informs you. Insurers will also charge you the difference if you go to a more expensive repair shop than the insurance company recommends.

Some companies, such as GEICO, USAA, and Progressive, offer no deductible glass repair, no matter your state.

Additionally, several states require auto insurance companies to provide zero deductible glass repairs. Other states require car insurance companies to offer additional glass coverage with no deductible. However, there is a fee for adding that coverage.

If you don’t live in a zero deductible windshield state or have no deductible coverage, it may not be worth it to go through your car insurance company for windshield repairs or replacements.

Although your rates shouldn’t go up with a glass claim, your deductible may be higher than the repair cost. Therefore, you’ll have to pay for repairs out of pocket. The good news is that repairs are usually inexpensive.

Carefully read your policy to determine what glass coverage you have and if you need to add zero-deductible coverage.

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  1. https://www.carwindshields.info/states

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