A proposal would let insurers charge deductibles on auto glass claims starting in 2027. The bill passed the House but faces a tight Senate deadline May 14.
COLUMBIA, S.C. โ A wide-ranging insurance bill moving through the South Carolina General Assembly includes a provision that could change how drivers pay for windshield repairs and replacements.
The proposal is part of the โInsurance Rate Reduction and Policyholder Protection Act” (H.4817), a sweeping measure that touches everything from property insurance to fraud enforcement.
Whatโs the current rule?
Right now, South Carolina drivers typically donโt pay a deductible when they need a windshield repaired or replaced under their auto insurance. Thatโs because current law effectively prevents insurers from applying a deductible to automobile safety glass claims.
For decades, people have learned that they can essentially get one free replacement for their car windshield if it cracks from road debris or most other common causes. Many companies that make those repairs advertise to customers based on that fact.ย
What the bill would do
The legislation temporarily keeps the current system in place, then changes it. According to the bill, through Dec. 31 of this year, deductibles would still not apply to windshield claims.ย
But starting Jan. 1, 2027, insurers would only be required to offer a zero-deductible option for auto glass. That shift means zero-deductible windshield coverage would no longer be automatic. Instead, drivers may have to choose that coverage, or it may come with additional cost. It also means some policies could include a deductible for windshield replacement.ย
The bill was passed by the House but is only in committee in the Senate, so it’s unclear if it will pass before the end of the session on May 14.ย
The legislation also includes provisions targeting roofing contractors and insurance fraud, as well as requirements intended to encourage lower premiums.
