Kentucky glass law: all glass, $0 deductible, one catch nobody mentions

Kentucky's rule is broader than Florida's in two ways and narrower in one, and the narrow part is the one that costs people money.

Broader: the waiver covers all safety glass, windshield, door glass, windows, plus required lights, not just the windshield. And since a 2024 amendment (SB 29), Kentucky is the only state whose statute explicitly includes camera recalibration in the $0 mandate. In every other state that question is a shrug; in Kentucky it's written down.

Narrower: the waiver applies only when the claim is for glass alone. A hailstorm that cracks your windshield and dents your hood is not a glass-only claim; your normal comprehensive deductible comes back for the whole thing. That condition appears in almost no consumer article about Kentucky, and it's why our calculator asks Kentucky drivers one extra question: "Is anything else on your car damaged?"

What this means for your decision

If the damage is glass and only glass, and you carry comprehensive: file. You pay $0, calibration included, by statute. If anything else on the car is damaged in the same event, run the numbers like any other state: deductible against job cost, with the claim going on your record either way. How carriers draw the glass-only line on mixed storm claims isn't published anywhere we can cite, so if you're in that spot, ask your insurer before assuming.