627.7288 Comprehensive coverage; deductible not to apply to motor vehicle glass.—The deductible provisions of any policy of motor vehicle insurance, delivered or issued in this state by an authorized insurer, providing comprehensive coverage or combined additional coverage shall not be applicable to damage to the windshield of any motor vehicle covered under such policy. Show History.—s. 1, ch. 79-241; s. 2, ch. 81-318; ss. 547, 563, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s. 15, ch. 90-119; s. 114, ch. 92-318; s. 5, ch. 97-178. Note.—Former s. 627.7378. Any type of damage to your windshield or glass could be unsafe to drive with and should be addressed as soon as possible. Broken glass is generally handled under your Comprehensive Physical Damage Coverage, which is usually subject to a deductible. However, in Florida, all drivers who have
Comprehensive Coverage are not responsible to pay any deductible in order to pay for services to repair damages to their vehicle’s windshield. Where Can I Get My Glass Repaired? In Florida, you have the right to choose who completes any work on your vehicle through your coverage. Some insurance companies have set up a network of auto glass repair shops that provide auto glass repair or replacement. If you go to one of these network shops, your glass is repaired or
replaced and paid for directly by the insurance company. If you use an auto glass repair shop that is not within the insurer’s network, the repair shop may ask you to sign an assignment of benefits (AOB). The repair shop will then deal with your insurance company directly. Please note that Fla. Stat. § 627.7288 only requires that the new windshield or glass be of the “same fit, quality and performance.” It does not have to be an Original Equipment Manufacturer (OEM) part. Do I have to Pay a Deductible? If you purchased comprehensive motor vehicle insurance, then you are entitled to have broken or damaged auto glass repaired or replaced under the motor vehicle insurance policy without paying a deductible for the claim. Florida law provides no specific requirements regarding insurance claims for damaged auto glass. The law in Florida states the following: “the deductible provisions of any policy of motor vehicle insurance, delivered or issued in this state by an authorized insurer, providing comprehensive coverage or combined additional coverage shall not be applicable to damage to the windshield of any motor vehicle covered under such policy.” After any type of crash, you should consider talking to a car accident lawyer to learn what your rights and obligations are under the law. Let the personal injury attorneys at Suarez & Montero review the circumstances of your case and discuss your legal options. Our attorneys are ready to provide proven legal representation in pursuing your claim and stand ready to protect your rights. Contact us today at 786 Lawyers for a FREE Consultation!
 Jaime SuarezAn experienced legal personal injury defense professional in Miami, who is dedicated to helping accident victims with personal injury cases involving automobile accidents, brain and spinal cord injuries, slip and fall accidents, prescription errors, wrongful death, and accidents at work. How do windshield replacements without a deductible work?In Kentucky, Florida, and South Carolina, windshield replacement laws require your insurance company to cover the total cost of windshield claims if you carry comprehensive coverage on your auto policy. These three states waive the deductible for windshield claims, so they are often referred to as "zero deductible" states. It's important to remember that you will pay for your comprehensive coverage as a part of your premium, even in these three states. Some may refer to these states as offering "free windshield replacements." The "free" part kicks in when you file a windshield claim and the deductible is waived, which results in your insurance company covering the cost pursuant to the terms and conditions of the applicable policy. Which states offer glass coverage?In addition to states with free windshield replacement laws, there are a handful of states that offer, at your option in exchange for a premium, separate glass coverage with a no or low deductible option for windshield replacements. To qualify for glass coverage, these states usually require you to carry comprehensive coverage on your auto policy. In Arizona, for example, the law requires an option for glass coverage with no deductible for a windshield replacement. Other states that offer similar glass coverage include:
Before you seek a free windshield replacement in any of these states, contact your insurer to confirm coverage requirements. There may be additional guidelines about the type of windshield damage and repair shops used. Is windshield replacement covered by insurance in Florida?Windshield Repairs are Free for Many Florida Drivers
Under Florida Statute §627.7288, if you have comprehensive car insurance coverage or combined additional coverage, your windshield is covered. It is in the best interest of the public for motor vehicles to have safe windshields.
What is the deductible for Florida windshield claims?The full glass insurance laws in Florida offer zero-deductible windshield repairs for drivers with comprehensive coverage. Broken auto glass isn't always cheap to repair, so this law allows motorists across the Sunshine State to stay safe while on the road.
Does a windshield claim increase insurance in Florida?TALLAHASSEE, Fla. (WTXL) - According to the Florida's insurance commissioner, windshield replacement schemes are driving up the price of auto insurance throughout the state.
Does Florida pay for cracked windshield?If your windshield has been damaged in Florida, your comprehensive insurance policy will pay to fix the windshield for free without you having to pay the deductible.
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Is there a deductible for windshield replacement in florida
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