# FAQ — Auto Glass Bowling Green (Bowling Green, KY)

## Is windshield replacement free in Kentucky?
Yes. Kentucky Revised Statutes 304.20-040 requires that insurers process auto glass claims without applying a deductible. If you have comprehensive auto insurance in Kentucky, your windshield is replaced at no cost to you.

## Will a windshield claim raise my insurance rates in Kentucky?
No. A comprehensive glass claim in Kentucky is not a fault-based or surchargeable event. It cannot be used to raise your premium or affect your driving record.

## Does the Kentucky glass law cover hail damage in Bowling Green?
Yes. Hail damage to your windshield or auto glass is a comprehensive insurance event. Under KRS 304.20-040, your insurer must cover it without a deductible. South Central Kentucky's spring hail season generates significant demand for this coverage.

## Do you provide mobile windshield service at WKU campus?
Yes. We offer mobile service throughout Bowling Green including the Western Kentucky University campus, and across Warren County to Scottsville, Glasgow, Franklin, and Cave City.

## How long does windshield replacement take in Bowling Green?
60 to 90 minutes on-site. Drive-away time is approximately one hour after installation. Avoid car washes for 24 to 48 hours to allow the urethane adhesive to fully cure.

## What insurance companies does the Kentucky glass law apply to?
KRS 304.20-040 applies to every insurer writing comprehensive auto policies in Kentucky — State Farm, GEICO, Progressive, Allstate, USAA, Erie, and all others. There are no exceptions.

## Does the Kentucky windshield law cover chips and cracks or only full replacement?
KRS 304.20-040 applies to both windshield repair and replacement. Whether your damage qualifies for a 30-minute chip repair or a full windshield replacement, your comprehensive insurance covers it at zero deductible.

## How much does windshield replacement cost in Bowling Green without insurance?
Cash prices for windshield replacement in Bowling Green typically range from $175 to $500. Vehicles with ADAS cameras or other features cost more. With comprehensive insurance under KRS 304.20-040: $0.