North Carolina Windshield Insurance: What are the full glass coverage laws in North Carolina?

If you're looking for North Carolina windshield insurance, comprehensive and collision coverage are a must for your policy. Learn about North Carolina windshield insurance laws and how to make sure you're covered.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 22, 2022

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Things to remember...

  • It may be illegal to drive your car if the windshield has damage in the viewing area
  • Comprehensive, and in some cases collision coverage, should pay for windshield repair or replacement
  • Some companies may offer a zero-deductible windshield option in North Carolina

If a stone flicked up by a passing truck strikes your windshield or you’re in a heavy hailstorm, you will want to have your windshield repaired as soon as possible. How does North Carolina law apply to insurance when it comes to windshield repair?

North Carolina laws do not require insurance companies to offer a zero-deductible option for full glass repair or replacement, but you can still get repairs covered if you have comprehensive on your policy. Read on to find out more about windshield replacement in North Carolina.

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Will insurance cover windshield replacement in North Carolina?

You can only get auto glass coverage in North Carolina if you take out comprehensive coverage as part of your overall insurance policy. This level of coverage will also protect you from events like fire, theft, or collision with an animal. 

You may also be covered for glass replacement through collision insurance if you have a crash with another vehicle and your windshield is damaged as a result.

Unlike some states, North Carolina does not have a rule that requires insurance companies to offer a zero-deductible option for auto glass coverage. 

However, some companies may try to stand apart by offering this concession, and you’ll need to do some comparison shopping if you want to take advantage. 

If you have a deductible, you’ll still have to pay at least some of the repair cost out of pocket.

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What to Know About North Carolina Windshield Replacement Laws

In North Carolina, regulators may expect you to repair or replace a windshield if damage obstructs the driver’s view. NC windshield replacement law does not go into specifics.

But, if you have a significant chip or crack in this area, it’s best to take action as soon as possible. After all, you’ll want to make sure that you can always see clearly in any conditions and avoid a ticket or warning if a law enforcement officer pulls you over. 

A crack can also make it more difficult to drive at night or in the rain when you also must contend with oncoming headlights.

You might also run into trouble if you need to get your vehicle inspected by the state. After all, an inspector may not pass the vehicle if a chip or crack impedes the windshield wipers. According to the North Carolina Department of Transportation, inspectors must not approve windshield wipers if they do not operate freely.

How to Get Auto Glass Coverage in North Carolina

Here are a few tips to help you obtain full glass coverage in North Carolina:

  • To protect yourself against damage to your windshield from stones, hail, or other objects, you need to request comprehensive insurance coverage from your provider.
  • You may also need collision coverage to protect you if your auto glass damage is due to a collision with another vehicle.
  • Ask if the company offers a no-deductible option for glass coverage.
  • If you do sustain any damage, note that some laws may require you to repair or replace the windshield.
  • Call your insurance company and discuss filing a claim if your windshield is broken. An agent will tell you how much your insurance will cover and explain the deductible, if appropriate.

When you have the right coverage and know what your insurance company will take care of, you should be ready to take your vehicle to a repair shop.

North Carolina’s Full Glass Coverage: The Bottom Line

If windshield cracks impede your view, you may need to repair or replace the glass. While state laws may be a little vague, federal regulations make it clear that you can’t drive if your view is noticeably obstructed. 

If you want to file an insurance claim for windshield replacement in North Carolina, you will need comprehensive, or sometimes collision coverage. 

Some companies offer a zero-deductible option, so you won’t have to pay anything out of pocket. Be sure you are aware of your current policy details and shop around with different companies to make sure you are getting the best deal for you.

Check out what’s available to you to make your insurance more affordable. And don’t forget to compare car insurance quotes. You can do that right here by using our free and easy rate tool below.

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