Terrible weekend for this to happen. My windshield took a softball dead on and it got smashed good. Was doing some reading and found that Kentucky doesn't allow insurance companies to charge deductibles on windshield replacements Will my insurance pay for auto glass repair? | WindshieldRepairTech.com. Does anyone have any experience with this, any Kentuckians? Obviously too late to call a shop and I'm not dealing with insurance on my holiday weekend. Thanks.