What are the Full Glass coverage laws in West Virginia?

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Things to remember...
  • West Virginia requires auto companies use OEM parts, including windshields, when car is less than three years old
  • West Virginia does not mandate rights to the driver regarding the choice of where to take a car for repairs when filing an insurance claim
  • Drivers filing claims for non-liability windshield damage do so under a comprehensive coverage

Driving down the roads of West Virginia should be hazard-free, but driving always comes with the risk of an accident or other misfortune.

Mercifully, not all potential damage is severe. A rock falling off a cliff or a pebble kicked up by another vehicle’s tire can crack a windshield. Depending on the location and size of the crack, West Virginia law mandates a fix.

Anything in front of the driver’s vision or a half-inch crack in the path of the windshield wipers must be fixed.

Compare car insurance quotes to find the best rate for the coverage you desire. Enter your zip code into our free quote tool above to begin.

Zero-Deductible Full Glass Coverage Law in West Virginia

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The law in West Virginia does address the insurance company’s responsibilities when it comes to repairing a damaged windshield. In this state, when a car is less than three years old, the insurer must replace windshields with original equipment manufacturer (OEM) parts.

This way, the new parts deliver the exact same level of quality as the original since they are made by the same manufacturer.

The insurance company can only use salvaged or non-OEM parts only when the customer waives his/her rights in writing.

West Virginia, however, does not mandate zero-deductible coverage. Drivers do have the option of purchasing zero-deductible coverage when they purchase comprehensive coverage. Comprehensive coverage, however, remains optional insurance in West Virginia.

– What is comprehensive insurance?

Comprehensive insurance pays for damages inflicted upon a vehicle derived from perils outside of common accident-related incidents. Comprehensive usually covers the following:

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– What is a zero-deductible?

Comprehensive insurance usually comes with a $500 deductible. A deductible refers to the amount of money the insured pays before the insurance company pays for anything. With a zero-deductible policy, the insured pays nothing out of pocket.

The lower the deductible, the higher the premium becomes. So, a zero-deductible policy will be more expensive than one with a $500 or $1,000 deductible.

– How do you find a good deal on comprehensive coverage?

Even though adding comprehensive coverage to a policy increases the premium, deals and excellent rates on insurance may still be acquired. This would be true even when requesting the zero-deductible option.

Searching online for rates and reviewing three or more quotes can uncover excellent and affordable rates. Don’t automatically assume your insurance coverage will be high.

Law Governing Replacement Parts in West Virginia

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Under the West Virginia Code §46A-6B-3, “Genuine and aftermarket crash parts,” all motor vehicle body shops must use original manufacturer parts for the first three years of the life of the vehicle.

This regulation is defined as “the year the motor vehicle was manufactured and the two succeeding years thereafter” and the rule can only be waived when the insured does so in writing.

Therefore, the insurance company finds itself required to pay for OEM parts on legitimate claims. The insured retains the option, for whatever reason, to choose aftermarket parts. However, the insured cannot be forced to use aftermarket parts.

To avoid any mistakes or regrets, review an insurance policy prior to requesting any work be performed. Don’t approve any estimates or even contact a vendor until you are clear on what your insurance policy is required to pay.

Furthermore, you do not want to do anything that could put your claim at risk.

The actual fix on the windshield depends on the extent of the damage. A small crack may be repaired by adding filler material into the crack and smoothing the surface. Major cracks, however, necessitate complete window replacement work.

Covered drivers may feel thrilled to learn their insurance policies might pick up at least a portion of the costs if not all.

Law Governing Choice of Repair Vendor in West Virginia

No special laws exist on the books that address the choice of a vendor in West Virginia. Unlike what may be the case in a different state, the insured won’t be in a position where he/she can always choose the repair garage.

The insurance company may require the vehicle be fixed at an affiliated shop if this is so stated in the policy contract.

Check the policy and/or call your insurance provider before choosing a vendor or garage. You do not want to be in a position in which you aren’t reimbursed for work done by the mechanic. A recommendation from an insurance company could eliminate any problems.

Online searches reveal great rates on auto insurance in West Virginia. Requesting several quotes from top insurance companies doesn’t take much work. Once the quotes are received, you can perform a careful review of the premiums to determine their value.

Take a deliberate approach to reviewing quotes and you may very well discover the perfect policy. Enter your zip code into our free rate comparison tool below to begin evaluating quotes.

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