Car policy confusing? Ask Poli.
Do I pay a deductible for a cracked windshield?
Glass is often carved out of the comprehensive deductible by endorsement — but only sometimes, and only for repair versus replacement in some forms.
What filed auto forms generally say
Windshield damage is generally a comprehensive claim, so the comprehensive deductible on the declarations page applies by default.
Many policies carry a full-glass or safety-glass endorsement that reduces or removes the deductible for glass specifically. Some versions waive it only when the glass is repaired rather than replaced.
A few states require carriers to offer zero-deductible glass coverage, which is why the same carrier's forms read differently from state to state.
Why your policy can still say something else
Whether a glass endorsement is attached, and whether it applies to repair only or to replacement too, is a per-policy fact your declarations and endorsement list decide.
Clauses to look for in your own document
- Part D — Comprehensive Coverage
- Deductible
- Full Safety Glass endorsement
- Declarations — Endorsements Attached
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PoliSays explains document wording. It is not an insurer, broker, or law firm, and nothing here is advice.