Which type of damage has no deductible under most insurance policies?

Windshield damage typically has no deductible under most insurance policies because many insurers recognize the importance of maintaining clear visibility for safe driving. As a result, insurers often choose to encourage policyholders to replace or repair windshield damage without imposing a deductible to remove barriers to prompt repairs. This can help prevent further damage, which might otherwise lead to more costly claims.

This approach not only benefits the insured by minimizing their out-of-pocket expenses for such repairs but also serves the insurance company by reducing the likelihood of more serious accidents caused by impaired visibility. As a general practice, insurers have adopted this policy to promote safety on the roads.

In contrast, collision and comprehensive damages usually involve deductibles, as these types of claims can lead to significant costs for insurers and thus require policyholders to share in the risk. Similarly, theft of a vehicle often includes a deductible, as it is a more severe and costly claim that the insurance company also needs to manage financially.