Earlier this week I got into my car and had an “oh crap” moment. There, right in the center of the windshield,was a foot-long crack. I tried to wipe it off, hoping it was just a condensation pattern, or twig that had fallen and was playing tricks on my eyes, but no such luck. I have no idea why it cracked although I’m sure the fact that it had been about 120 degrees one day then 30 below the next probably didn’t help. A cracked windshield is not a rare or a serious problem, but the times it has happened before its ended up being one of those “Gee, I could have thought of better uses for that $250″ moments. Sure, you can report it to insurance, but the cost is less than the deductible and then you have a dreaded claim on our record (Insurance Rule #1: never use it).
But we quickly discovered Reason #220 why South Carolina is a cool place to live. Apparently at some point along the way a lawmaker must have chipped a windshield because it is one of only 4 states with a “windshield replacement law.” This means that when your windshield (or in SC’s case, ANY window) is cracked, your insurance has to replace it with NO deductible, and they can’t count it against you. And not only did our insurer cover it, they even sent someone to my workplace and he replaced it right there in the parking lot. So no missed work or sitting around in repair shops for hours.