[Final Authority]

On of the biggest scams in MA is mandatory coverage for auto glass replacement with no deductible. Drivers routinely smash their windshield after it gets a stone bruise from a passing gravel truck just to have a clear view. In NH we have a deductible and possibly more pitted windshields, but not more attributable accidents, and certainly lower insurance costs.

[ApplegateRanch]

When we were still living in OR; and now here in SD, we get no-deductible windshield REPAIR.

It is an incentive to get rock dings fixed, before they become unrepairable.

If it needs replacement, then the deductible applies to either collision or comprehensive coverage, whichever is appropriate.