In 2026, what you pay for a Mercedes-Benz Metris Cargo windshield claim can depend on both your deductible and your state’s rules. A small number of states provide consumer protections that waive the deductible for windshield damage when you carry comprehensive coverage. Florida is the most widely cited example: Florida Statute § 627.7288 states the deductible does not apply to windshield damage, which often means $0 out of pocket for windshield replacement with comprehensive coverage. South Carolina is another notable case; S.C. Code § 38-77-280(B), as referenced by the South Carolina Department of Insurance, waives the deductible for auto glass under comprehensive coverage. In most other states, the “rule” is your policy language. Comprehensive coverage commonly applies to non-collision windshield damage, but your stated deductible may still apply to replacement. Many insurers offer optional full glass coverage (a glass endorsement) that can set a $0 or low glass deductible, but endorsements generally must be added before the loss. Some policies also use a separate glass deductible that is lower than the standard comprehensive deductible. For Mercedes-Benz Metris Cargo owners, a quick carrier call clears things up. Ask whether your state has a windshield deductible waiver, whether you have full glass coverage or a separate glass deductible, and whether you can choose your own auto glass shop even if a network provider is recommended. Bang AutoGlass can help coordinate with any insurer when comprehensive coverage applies and schedule a mobile, often next-day replacement. Installations typically take 30–45 minutes, plus at least one hour of safe drive-away time, and every job includes a lifetime workmanship warranty.