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- State of Jefferson
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- 2017 CX-5 GT AWD+
It's actually very rare for an insurance company in the US to replace broken glass for free. 99% of the time the deductible will be higher than the cost to replace the broken glass. I understand some insurance companies have offer an option to have glass replaced "for free", but it still involves paying an addition fees on your insurance premium (not free).
Most of them will cover chip repair for free if you've got comprehensive. They'd rather pay for that than a replacement, which most untreated chips lead to.
That's why it's good to have low comprehensive deductible. As CD mentioned, it's often well worth it.