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

Windshield damage is often covered under most insurance policies without a deductible because many insurers recognize the importance of maintaining clear visibility for drivers. By waiving the deductible, insurance companies encourage policyholders to repair windshield damage promptly, which can prevent further issues, such as compromised structural integrity and additional accidents. This policy feature reflects the intent to promote safety for all road users.

In contrast, collision damage, comprehensive damage, and theft typically require a deductible to be paid by the policyholder before coverage kicks in, which serves to discourage minor claims and helps manage the overall cost of claims for the insurer.