Under the North Carolina windshield replacement law, you must have comprehensive insurance to file a claim to replace a windshield. Comprehensive car insurance is optional, and comes with a deductible, or the amount you pay before your policy pays out for repairs.
Click to see full answer
Does NC cover windshield replacement?No. In North Carolina, glass replacement falls under Comprehensive Coverage. If there is a deductible on your Comprehensive Coverage, it will apply for a glass claim.
Does North Carolina have full glass coverage?
Auto Glass Insurance Coverage in North Carolina
North Carolina lawmakers do not require you carry auto glass coverage if you own your car and choose only the basic insurance coverage. However, it's common for any full coverage policy to include glass coverage.
Will a cracked windshield pass North Carolina inspection?
Car Inspection Check 8: Windshield Glass
In some (but not all) cases, a cracked windshield can lead to a failed inspection in North Carolina. It may also cause a failed inspection if the damage impacts the proper functioning of any other vehicle safety device, such as the windshield wipers or rearview mirror mounting.
Is windshield replacement covered in NC?
Under the North Carolina windshield replacement law, you must have comprehensive insurance to file a claim to replace a windshield. Comprehensive insurance also covers theft. It pays out up to the actual cash value of your car. The cost of comprehensive coverage is affordable, on average $192 a year.
Here are a few common problems that can result in a failed state inspection.
- Excessive Brake Wear.
- Insufficient Tire Tread Depth.
- Burned Out Headlights and Tail Lights.
- Cut Wiper Blades.
- Check Engine Light.
During a safety inspection, a licensed mechanic examines a vehicle's headlights, signals, brakes, steering, windows and tires. Motor vehicles registered in 22 North Carolina counties must also pass an emissions inspection, which is conducted at the same time as the safety inspection.
The three free windshield replacement states are Florida, Kentucky, and South Carolina, which waive the car insurance deductible for windshield repair or replacement and so are referred to as having free windshield replacement or as zero deductible states.