Q: Do deductibles apply to all insurance claims?

A: No - Deductibles usually apply to collision losses and comprehensive losses.  Many policies have 100% glass replacement.  Read your insurance policy or call your representative to get the details.  If someone else hit you and 100% liability has been accepted, a deductible does not usually apply.  We have had some claims where insurance companies accept partial liability.  In those cases you will be expected to pay a portion. In those cases you have the option to use your own collision carrier to move the repair process along!