Verified August 13, 2026
Primary source: Conn. Gen. Stat. § 38a-339. We link the statute, not an aggregator's summary of it.
Connecticut requires insurers to make zero-deductible safety glass coverage available on comprehensive policies. Here's the twist that makes Connecticut different from Arizona or Minnesota: since Public Act 05-140 in 2005, insurers haven't been required to tell you the option exists. It has to be available if you ask. Nobody has to bring it up. The predictable result is a state full of drivers who have never heard of a coverage the law entitles them to buy.
Look for "full glass" or "safety glass" on your policy summary. If it's there, glass claims cost you $0. If it's not and you'd like it, you can ask for it at renewal by name: "the §38a-339 full glass option." The statute doesn't define whether "safety glass" reaches a sunroof or panoramic roof, and we haven't found a case that settles it, so ask specifically if that's your situation.
With the option on your policy: file, you pay $0 for the glass. Without it: your regular deductible applies, and in a high-premium state like Connecticut the rate-increase side of the math deserves attention too. Our calculator runs both sides, including what losing a claims-free discount would cost at Connecticut premium levels.
The calculator applies the Connecticut rule automatically from your ZIP code, prices your specific car, and shows the arithmetic for both paths.
Should I claim it? Find out →