Does Kentucky auto insurance cover windshield or other vehicle glass?
For Lexington, Kentucky drivers, coverage is conditional. As reviewed August 1, 2026, KRS 304.20-060 applies when a Kentucky motor-vehicle policy provides comprehensive or other-than-collision coverage and the claim is for motor vehicle glass only; the insurer must confirm how the policy and loss apply.
Compare the decision inputs
| Statement | Classification | Who confirms it |
|---|---|---|
| KRS 304.20-060 contains conditional glass-only coverage protections. | Dated legal fact | Current Kentucky statute |
| A particular loss qualifies under the policy. | Coverage decision | The insurer |
| A provider accepts an assignment or bills insurance. | Provider-dependent | The verified provider |
| A self-pay amount is complete. | Quote | The provider in writing |
Kentucky glass-only claims
As reviewed August 1, 2026, KRS 304.20-060 says a motor vehicle policy with comprehensive or other-than-collision coverage must provide complete coverage, without a deductible or minimum amount, when the claim is for motor vehicle glass only. The exact facts and policy still matter; this is general information, not a coverage decision.
Your choice of shop
The same statute says an insured making a first-party glass claim cannot be required to use a particular glass repair shop to receive claim payments or benefits. An insurer may still explain coverage or maintain a network.
- Ask whether the loss is being treated as glass-only
- Confirm coverage and any policy conditions
- Ask what documentation or authorization is required
- Confirm any amount you could owe before work begins
What this site does not do
Lexington Auto Glass Guide is not an insurer, agent, adjuster, attorney, or claims administrator. It cannot interpret your policy, approve a claim, negotiate with an insurer, or promise reimbursement.
This guide is not a repair shop. A request may later be shared with an independent provider only after that provider is verified and routing is enabled.
Common questions
Does Kentucky auto insurance cover windshield or other vehicle glass?
For Lexington, Kentucky drivers, coverage is conditional. As reviewed August 1, 2026, KRS 304.20-060 applies when a Kentucky motor-vehicle policy provides comprehensive or other-than-collision coverage and the claim is for motor vehicle glass only; the insurer must confirm how the policy and loss apply.
Is every Kentucky windshield automatically free?
No. Avoid that shorthand. The statutory protection is tied to qualifying comprehensive or other-than-collision coverage and a glass-only claim; confirm your own policy and loss with your insurer.