Full Glass is an option you can add to your vehicle’s Comprehensive coverage which reduces your deductible for glass damage to $0. If you add this option to your policy, it will pay the full cost to replace your windshield or other safety glass.
Full Glass is offered by Minnesota Auto policies but is not often found in other states. Most Minnesota drivers who purchase Comprehensive coverage on their vehicle buy Full Glass as well. However, it is optional, and it is possible to fully insure your vehicle with Comprehensive and Collision coverage but not buy Full Glass.
Sometimes people ask us to insure their vehicle for “Liability with Glass.” Unfortunately, this is not possible, as glass breakage is not a coverage you can buy on its own. Glass is covered under Comprehensive coverage, and Full Glass simply waives the Comprehensive deductible that would normally apply. However, you can buy Comprehensive with Full Glass without buying Collision coverage; if you did this, your vehicle wouldn’t be covered for damage caused by collision or upset, but it would be protected against deer hits, theft, fire, vandalism, hail, etc. as well as glass breakage.
Most glass claims are filed to replace cracked windshields, but Full Glass also extends to the other safety glass surrounding the passenger compartment of your vehicle. Full Glass does not apply to headlights, taillights, cameras, sensors, etc.
If you choose not to buy Full Glass coverage, any glass claim would be subject to your Comprehensive deductible. If you choose a deductible of $500 or more but decline Full Glass, you’ll probably end up paying for the entire cost of a new windshield out of your own pocket, in the event it needs to be replaced. (However, carriers often fully cover chip repair even without Full Glass, as an incentive to repair your windshield before the chip grows into a crack requiring replacement.)
The cost to add Full Glass can vary considerably from carrier to carrier and also depends on how high your Comprehensive deductible is and other factors. On a preferred policy, we often see a price tag ranging from $2 to $5 per month per vehicle. However, there are other cases where it can cost a couple hundred dollars every six months to add Full Glass to a vehicle, especially on a higher risk policy issued to someone with a less favorable driving history and/or a lapse in prior coverage.
Assuming that you are able to add Full Glass inexpensively, I do consider it a good value, as I tend to see more claims filed for cracked windshields than for anything else.
Ken Cobb is owner of Pine Country Insurance and has been active in the insurance industry for over 15 years. Meet Ken.
Coverage descriptions found in this blog are summaries provided for general educational purposes and cannot fully detail the terms, conditions, limitations or exclusions of a specific insurance policy. Please read your policy carefully.