A windshield costs $650 to replace. The vehicle has a $500 collision deductible and a $250 other-than-collision deductible. The insurer will pay how much?

• A. $250
• B. No coverage
• C. $500
• D. $650

Answer: (D)

Windshield claims are typically handled under glass coverage, which many auto policies treat as separate from the regular collision or other-than-collision deductibles. In many policies, the glass coverage waives the deductible for windshield replacements, so you’re reimbursed the full cost of the repair or replacement up to the policy limits.

Here, the windshield replacement costs $650, and the deductible provisions shown (a $500 collision deductible and a $250 other-than-collision deductible) do not apply to a glass claim. Therefore the insurer covers the entire $650, assuming it’s within the policy’s glass coverage limits.