Under current South Carolina law, if you have comprehensive auto insurance coverage, your insurer cannot charge you a deductible for windshield (safety glass) repair or replacement.
Key details:
– Applies only if you carry comprehensive coverage
– Liability-only coverage does not include windshield replacement.
– Deductible is waived specifically for safety glass
– Even if your comprehensive deductible is normally $250, $500, or $1,000, that deductible does not apply to windshield repair or replacement under current SC law.
It’s not technically “free windshield coverage”
The South Carolina Department of Insurance clarifies that it’s coverage tied to your comprehensive policy—not a separate free benefit.
Legal basis
This comes from South Carolina Code § 38-77-280(B), which requires the deductible waiver for safety glass claims when comprehensive coverage exists.
However, lawmakers are considering changing that law, which could mean drivers would have to start paying their deductible for windshield claims.
Would you support keeping the current no-deductible protection, or would you trade it for potentially lower insurance premiums?
