Reader’s Question:

Does the state of California insurance have free window replacement for my car?

Louis

Los Angeles, CA

California insurance laws do not require insurance providers to offer free window replacement. There are a few states that have laws in place so that insurance companies must waive the deductible for the comprehensive coverage claim for windshield replacement or repairs, California though is not one of these states.

You need comprehensive or comprehensive glass coverage in California to have a window replaced or repaired by your car insurance carrier. With either type of coverage you would have to pay the deductible associated with that portion of your car insurance policy.

So California does not have free window or windshield replacement though there may be some insurance companies that on their own will waive a deductible for windshield claims. The thinking there is that you will be a safer motorist if your windshield is in proper condition and the motorists can see without impairment.