Free Windshield Replacement With Kentucky Auto Insurance?
Reader’s Question:
I would like to know if the state of Kentucky has free windshield replacement coverage on my auto insurance? And if so, what do I do to get it?
Sandra
The answer is Yes. You can get your windshield replacement meaning no deductible is paid, in Kentucky however you must have Kentucky comprehensive coverage on your car. If you only have liability coverage on your car you will have to pay to get your windshield replaced.
So if you have Kentucky based comprehensive insurance, the Kentucky laws state that your insurance carrier will waive the deductible for windshield repair or replacement, which means no out-of-pocket expense for you.
If your windshield has been broken or cracked so that it needs replaced or repaired then you should make a claim through the comprehensive portion of your car insurance policy.
Can I Use My Parents Out of State Auto Insurance in Kentucky?
Reader’s Question:
I currently live with my father in Ohio and have my vehicle insured under his insurance. In a few months I am moving to Kentucky where I will be going to college. Can I stay on my fathers insurance, as that is where my permanent residency is or do I have to obtain my own insurance?
Kathy
Lexington-Fayette, KY
This differ from insurance provider to insurance provider. Most insurance carrier will continue to insure you on your father’s policy if you will be attending school in the same state. Other companies will continue to insure you if you attend school in another state. Some insurance companies will not insure you if you will be attending school in another state. Your father should contact his insurance agent or insurance carrier to determine what their guidelines are.
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