SC could change how car insurance covers repairs when a rock cracks a driver’s windshield

By: Jessica Holdman

Outlets: South Carolina Daily Gazette

Published: April 30, 2026

Words: 802

Last Updated: 2 months, 2 weeks ago

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COLUMBIA — South Carolinians’ cost for replacing cracked or broken windshields could change with legislation advancing in the Statehouse.

As long as they have comprehensive coverage, South Carolina drivers don’t pay out of pocket for windshield replacements. Whether due to hail, a falling branch, or a rock flung from the tires of a passing vehicle, a broken windshield isn’t considered the driver’s fault.

Since at least 1989, state law has exempted “auto safety …

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