South Carolina has one of the strongest windshield coverage laws in the country. Under SC Code § 38-77-280, insurance companies must waive your deductible for safety glass claims — whether your deductible is $250, $500, or $2,500. If you have comprehensive coverage on a vehicle registered in South Carolina, you almost certainly qualify for zero out-of-pocket windshield replacement.
Most SC drivers pay $0 out of pocket
Most states let insurance companies apply your regular deductible to glass claims. South Carolina is different. State law specifically prohibits insurers from charging a deductible on safety glass repairs and replacements — as long as you meet three conditions.
If you meet all three, your insurance may be required to cover the claim with no deductible.
This is the question we hear most often — and the answer is almost always no. Glass claims are classified as comprehensive claims, which insurers treat differently than collision claims. The best way to know if your rates will rise is to ask your insurance provider.
No — we make the insurance call for you. All we need from you is your name, VIN number, and insurance policy information. With those three things, we handle the entire claims process: we call your insurer, verify your coverage, file the claim, and collect payment directly. You don't need to file anything, call anyone, or wait for approval before scheduling.
Some customers prefer to call their insurer first — that's fine, but it's not required. Either way, the claim gets filed and you pay nothing.
Your insurer might suggest their "preferred" provider — usually Safelite. You're not required to use them. South Carolina law gives you the right to choose your own auto glass provider. We are an insurance approved vendor.
Usually yes. Most insurance companies cover ADAS calibration as part of the windshield replacement claim — it keeps your vehicle's safety features operational and allows you to remain eligible for insurance safety discounts. We document the calibration requirement and include it in the claim.
The zero-deductible law covers most drivers, but not everyone. Here are the situations where you'd pay for your own windshield:
Even if you don't qualify for zero-deductible coverage, windshield replacement is often more affordable than people expect. See our pricing for cash customers →
Answer a few quick questions to find out if you qualify for zero-deductible windshield replacement under South Carolina law.
1. Do you have comprehensive coverage on your auto insurance policy?
Comprehensive coverage (sometimes called "full coverage" or "other than collision") covers glass damage. Liability-only policies do not.
Tell us about your vehicle and the damage. All we need is your name, VIN number, and insurance policy information to get started.
We contact your insurer directly and confirm your zero-deductible eligibility. This takes about five minutes. If there's any issue with coverage, we'll let you know.
After speaking with your insurance company, we call you back to confirm what's covered and walk you through the next steps.
Once everything is confirmed, we schedule a time that works for you. Same-day appointments are often available.
We come to your location, replace or repair the glass, calibrate ADAS if needed, and have you sign one form acknowledging the work was completed.
You're done. We submit the claim, collect payment from your insurer, and handle any follow-up. You never see a bill.
Call or text us with your vehicle and insurance information and we will confirm your eligibility and reach back out to schedule your service.
