It’s also a state by state thing. In Kentucky, it’s no deductible either way. Probably depends on how well your state legislature was lobbied.
Interesting. I had no idea. It's rare, but a few states apparently have such a thing. Of course Google knows everything...here's a cut and paste:
The states below have insurance laws which support free windshield replacement:
Kentucky-when it comes to auto glass replacement and windshield replacement the state is a “zero deductible.”
Florida-requires insurance companies to waive deductibles on claims of a windshield.
Arizona– in Arizona, from Peoria, Avondale, Scottsdale and Temple to Flagstaff, Glendale, Gilbert, Phoenix, Surprise, Mesa, Tucson, and beyond one has the option of buying auto glass endorsement or waiver whenever you buy auto insurance. With this, you do not have to pay the full deductible when replacing your windshield replaced.
Massachusetts-most people site it as a zero deductible state of which is a bit, in this case, a misnomer.
New York – insurance companies here offer policies that do not require deductibles when it comes to auto glass replacement.
South Carolina-this is a zero deductible state, and you will receive free windshield replacement from everywhere in the state.