| Quick facts | Answer |
|---|---|
| Cost range | About $350 to $550 standard; $1,000 to $1,500+ with ADAS recalibration |
| Time | About 1 to 2 hours hands-on, plus 1 to 8 hours adhesive cure before driving |
| Who's qualified | Ask for proof of insurance, relevant certifications (e.g., ASE for auto repair), and any license your state or city requires. |
Does comprehensive coverage apply to windshield damage?
In Missouri, comprehensive coverage typically applies to windshield damage. Kansas City's spring storms can bring large hail up to 2 inches in diameter, which is a common cause of damage. Check your policy to confirm you carry comprehensive coverage.
Will I have to pay a deductible?
A deductible usually still applies unless you have a glass endorsement or a policy that waives it for windshield repair or replacement. Some Missouri policies do waive the deductible for windshield glass. AAA notes that deductible terms should be outlined in your policy.
Does Missouri require insurers to waive the windshield deductible?
No. Missouri does not have a windshield-specific statewide rule that forces insurers to waive the deductible. Whether you pay anything out of pocket depends on your own policy terms.
How do local repair costs affect what insurance pays?
Reasonable repair costs and labor rates are determined in the repair market where the vehicle is repaired. Local market pricing can therefore affect the amount your insurer pays. Get a written quote before the work starts so you can compare it with your policy.
What to do next
- Check your declarations page for comprehensive coverage and any glass or windshield endorsement.
- Ask your insurer whether your policy waives the deductible for windshield repair or replacement.
- Request a written quote that lists the windshield part, labor, and whether ADAS recalibration is included.
- Ask the pro for proof of licence and insurance before the appointment, and confirm any ADAS recalibration is covered in the quote.
- Call (816) 667-6157 or email [email protected] for a free quote from an insured, licensed windshield replacement technician.
KC Windshield is a free referral service: an independent contractor does the work and may pay us a referral fee. You never pay us anything.
