Need a new windshield in MA.

[allisolm]

I'm still not quite sure from what the OP said whether or not he has comprehensive coverage. If he does, MA is a zero deductible state for windshields (like FL), so his cost would be nothing. And, if it's like FL in other respects, they can't raise your rates for making the claim.

Nope. It's an option to be $0 deductible for windshields. You can waive the option and pay a deductible for a lower premium.

Also, getting your windshield replaced under insurance counts as a claim. You will not see it on your current insurance, but it shows up when you go shopping for new insurance. It's a not a huge increase, but there is an increase in premium.

From the MA Consumer Affairs and Business Regulation site:

"...if you have comprehensive insurance you are covered for the full amount of the loss, unless you opted for a $100 deductible for glass breakage. The $300, $500, or $1000 deductible, or whatever you may have selected for comprehensive coverage, does not apply to a glass loss."

 

[Gibson486]

From the MA Consumer Affairs and Business Regulation site:

"...if you have comprehensive insurance you are covered for the full amount of the loss, unless you opted for a $100 deductible for glass breakage. The $300, $500, or $1000 deductible, or whatever you may have selected for comprehensive coverage, does not apply to a glass loss."

isn't that what I just said?

 

[alkemyst]

isn't that what I just said?

I didn't think so either.

If your state has a mandatory law against a broken windshield, then your insurance has to cover it without fault to the customer.

That's the key point. Other glass is not considered a 'safety feature' like the windshield.

Down here in Florida, State Farm covers all glass with a zero deductable with comprehensive. All State only your windshield.