Verified August 13, 2026
Primary source: N.Y. Ins. Law § 3411(k), per NYSDFS OGC Op. 10-06-08. We link the statute, not an aggregator's summary of it.
New York is the state most articles get backwards. New York generally bans zero deductibles on physical-damage coverage (comprehensive carries a $50 minimum), but carves out an exception: insurers may sell window glass coverage with no deductible. May. Nothing requires any insurer to offer it, and the state's own insurance regulator has said exactly that in a formal opinion. So a New York driver either has separate glass coverage or doesn't, and no statute is coming to help.
New York's Gen. Bus. Law §392-k (2025) added disclosure requirements around auto glass repair and calibration. It's a shop-conduct law. It creates no deductible waiver and no coverage rights. Articles citing it as a "free windshield" development are wrong in a way that costs readers money.
Check your policy for a separate glass line. If it's there, glass claims cost $0 and filing usually wins. If not, it's straight arithmetic: your deductible against the job cost, plus the rate question. New York premiums are among the highest in the country, which cuts both ways: a rate increase hurts more, and a lost claims-free discount hurts a lot more. Our calculator puts numbers on both before you decide.
The calculator applies the New York rule automatically from your ZIP code, prices your specific car, and shows the arithmetic for both paths.
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