Windshield deductible

Definition

Whether a customer pays anything before glass is replaced, which Florida, Kentucky and South Carolina answer.

Why It Matters

The mix of cash jobs and insurance jobs is not a business decision in every market. Florida's insurance code says the deductible provisions of a comprehensive policy do not apply to windshield damage, so a Florida windshield is free to the insured and almost every job in the state goes through a carrier. Kentucky waives the deductible on any glass-only claim, and South Carolina on all automobile safety glass. That is why books in those states read as claim-heavy, and why their revenue moves with what carriers pay instead of with what customers will bear. Read the state before you read the mix, and price a book elsewhere on the assumption a deductible is a real objection at the door.