Does Liberty Mutual Cover Windshield Replacement?

Last Updated on August 28, 2022

If you have comprehensive coverage with Liberty Mutual, then Liberty Mutual will cover windshield repairs and replacements.

Yes, Liberty Mutual covers windshield repairs and replacements for most customers. Although you may need to pay your deductible, Liberty Mutual should cover the remaining costs.

How does windshield replacement work with Liberty Mutual? Will Liberty Mutual cover the cost of repairing or replacing my windshield? Keep reading to discover everything you need to know about Liberty Mutual’s windshield repair and replacement coverage.

Table of Contents:

Liberty Mutual Offers Windshield Replacement and Repairs for Customers with Comprehensive Coverage

If you have comprehensive coverage with Liberty Mutual, then Liberty Mutual covers windshield repair and replacement.

Comprehensive coverage is an optional type of car insurance coverage that covers damages to your vehicle that occur outside of accidents. If your vehicle is stolen, for example, or if a falling tree hits your vehicle, then you can make a claim through your Liberty Mutual comprehensive coverage.

If you have full coverage car insurance with Liberty Mutual, then you have comprehensive coverage. Full coverage car insurance includes collision coverage and comprehensive coverage, two optional coverages for added protection.

If you only have basic liability coverage with Liberty Mutual, however, then you cannot make a claim for windshield repairs or replacements with Liberty Mutual.

How Liberty Mutual Covers Windshield Repairs and Replacements

Liberty Mutual covers windshield repairs and replacements in different ways:

  • If your windshield can be repaired, then Liberty Mutual waives the deductible and covers the full cost of repairing the windshield. Generally, if your windshield has small cracks or shallow chips, it can be repaired.
  • If your windshield needs to be replaced, then you pay the deductible, and Liberty Mutual covers the remaining cost of replacing your windshield. Most comprehensive coverage deductibles are around $250. You pay your $250 deductible, and Liberty Mutual covers the rest.

Generally, technicians recommend replacing your windshield if you have four or more cracks or any damages larger than six inches. If you have three or fewer chips and cracks, and none of them are larger than six inches, then technicians may be able to repair your windshield.

How Fault Works with Liberty Mutual Windshield Repairs and Replacements

If you damaged your windshield in a collision, then Liberty Mutual may cover your windshield repair or replacement in a different way depending on the situation.

If the other driver was at fault, then you file a claim through the other driver’s insurance company. The other driver’s insurer covers the full cost of repairing or replacing your windshield to pre-loss condition.

If you were at fault, then you file a collision claim. Generally, Liberty Mutual requires you to pay a deductible before covering all remaining damages. However, this deductible should cover all vehicle repair costs. If you did $5,000 of damage to your vehicle after a collision where you were at fault, for example, then you might pay your $500 collision deductible while Liberty Mutual covers all remaining repair costs, including windshield replacement and other costs.

If someone broke into your vehicle and damaged your glass, then you can make a claim through your comprehensive coverage or uninsured driver coverage.

Rules change for no-fault states. If you live in one of 12 no-fault states in America, then you always make a claim through your own insurer regardless of fault. If someone else damaged your windshield, then you contact Liberty Mutual to make the claim, and Liberty Mutual will handle your claim from start to finish.

South Carolina, Florida, and Kentucky Drivers Pay $0 Deductibles for Windshield Replacements

Depending on your state, you may not need to pay your deductible for windshield replacements.

Three states forbid insurers from charging deductibles for windshield replacements, including South Carolina, Florida, and Kentucky. If you live in any of these three states, then you do not need to pay your deductible for windshield replacements or repairs. Instead, Liberty Mutual covers the full cost of replacing your windshield.

Similarly, five states require insurers to offer full glass coverage. Insurers in Arizona, Connecticut, Massachusetts, Minnesota, and New York are required to offer full glass coverage. If you buy full glass coverage from Liberty Mutual, then you pay a $0 deductible for glass repairs and replacements.

In other states, Liberty Mutual may or may not offer full glass coverage.

Overall, drivers in most states pay their deductible when replacing a windshield with Liberty Mutual. However, if you live in South Carolina, Florida, and Kentucky, or if you have full glass coverage, then you may not pay your deductible for glass repairs or replacements.

How to Get Windshield Repairs or Replacements with Liberty Mutual

If your windshield needs to be repaired, then contact Liberty Mutual to initiate the claim. Liberty Mutual may recommend a glass repair center near you.

Liberty Mutual partners with Safelite auto glass in all 50 states, for example. Safelite is a trusted Liberty Mutual partner. In fact, Safelite can even file a Liberty Mutual claim on your behalf.

The glass technician will determine if your windshield needs to be replaced – or if it can be repaired:

  • Your windshield can be repaired if it has three or fewer chips or cracks that are each smaller than six inches
  • For all other damage, your windshield may need to be replaced
  • Generally, technicians recommend full windshield replacement if your glass has four or more chips or cracks, or if your damage is larger than six inches

If your windshield needs to be replaced, then you pay your deductible, and Liberty mutual covers the rest.

The cost of your deductible varies. Generally, you pay your comprehensive physical damage coverage deductible, which is around $250. However, if the damage occurred because of a collision where you were at fault, then you may pay your collision coverage deductible, which tends to be $500 to $1,000.

Final Word on Liberty Mutual’s Windshield Coverage

Liberty Mutual covers the cost of repairing or replacing your windshield. If technicians can repair your windshield, then Liberty Mutual covers the full cost of windshield repairs without requiring you to pay the deductible. If technicians need to replace your windshield, then you may pay the deductible (unless you live in South Carolina, Florida, or Kentucky or have full glass coverage).

Liberty Mutual only offers windshield repairs and replacements for customers with comprehensive coverage. If you have minimum liability insurance through Liberty Mutual, then windshield repairs and replacements are not covered.

Contact Liberty Mutual to verify your windshield replacement coverage.

James Shaffer
James Shaffer James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
Back to Top