The state doesn’t control the premiums though so they can reflect the added cost of no deductible.
Exactly. So where is the benefit to anyone by mandating insurance companies to replace windshields at no cost or with no deductible? Seems the only ones benefiting are the glass shops, unless the insurance companies are dictating the prices to them.
In a nutshell, your “free” windshield replacement means I pay more for my insurance. How about we all just pay for our own windshields and leave insurance and the state out of it?