Florida drivers often wonder if windshield replacement is covered by insurance, especially since cracked or broken glass is such a common issue in the state. With heavy traffic, frequent road debris, unpredictable weather, and long highway commutes, windshield damage is something many drivers in Florida will face at some point. Understanding how insurance works in these cases is essential because driving with a damaged windshield not only puts your safety at risk but can also lead to legal issues if it obstructs your view.
Florida has specific laws that make windshield replacement unique compared to most other states. Knowing these rules and your insurance responsibilities can save you money and stress when the unexpected happens.
Florida’s Law on Windshield Replacement
One of the reasons Florida stands out is because the law requires insurance companies to provide free windshield replacement under certain conditions. Florida Statute 627.7288 states that if you carry comprehensive insurance coverage, your insurance provider must waive the deductible for windshield repairs or replacement. This means you won’t pay out of pocket for a new windshield if your vehicle is insured with comprehensive coverage.
This law is designed to promote safety on the roads. By removing the financial burden of replacing or repairing a windshield, more drivers are likely to fix damage quickly, reducing the risk of accidents caused by limited visibility.
What Type of Insurance Covers Windshield Replacement?
Windshield replacement is not automatically covered under the minimum required car insurance in Florida. The state minimums—Personal Injury Protection (PIP) and Property Damage Liability (PDL)—do not cover windshield damage. To have your windshield replacement covered, you must carry comprehensive coverage as part of your auto insurance policy.
Comprehensive coverage is optional, but it is highly recommended. It covers damage to your car from non-collision incidents such as theft, vandalism, fire, falling objects, storm damage, and broken glass. In Florida, it also ensures your windshield can be replaced at no cost to you thanks to the law requiring deductible waivers.
Why Comprehensive Coverage Matters
Many drivers mistakenly believe that their basic insurance policies will handle windshield damage, only to discover they are responsible for the full cost of replacement. A windshield replacement can be expensive, particularly for newer cars with advanced sensors and technology built into the glass. Without comprehensive coverage, you may have to pay hundreds or even over a thousand dollars out of pocket.
Comprehensive coverage is not only valuable for windshield replacement but also for protecting against many common risks in Florida. With the state’s high hurricane activity, flooding, and vehicle theft rates, this type of insurance can offer much broader peace of mind.
Windshield Repairs vs. Replacements
In many cases, minor windshield chips or cracks can be repaired instead of replaced. Insurance companies in Florida also waive the deductible for these repairs under comprehensive coverage. Quick repairs prevent small cracks from spreading into larger ones, saving both time and money.
If the damage is too severe or located directly in the driver’s line of vision, replacement is usually required. Florida’s law ensures that whether it’s a repair or replacement, your insurance covers the cost as long as you have comprehensive coverage.
How to File a Windshield Claim in Florida
Filing a windshield claim is a straightforward process in Florida. You simply contact your insurance company and report the damage. Most insurers will allow you to choose the repair shop, although some may recommend preferred providers. Since the law requires them to waive your deductible, you should not be billed for covered windshield repairs or replacement.
It is important to file your claim as soon as possible after the damage occurs. Driving with a cracked windshield can be dangerous, and delaying repairs may also give your insurance company reason to question the claim if the damage worsens over time.
Are There Any Exceptions?
While Florida law is clear about the deductible waiver, there are certain scenarios where you may not be covered. If you only carry the state minimum required insurance, windshield replacement will not be included. Similarly, if you have liability-only coverage, you will be responsible for paying out of pocket. Comprehensive coverage is key to unlocking this benefit.
Additionally, while windshield replacement is free under comprehensive coverage, other types of glass on your vehicle, such as side windows or rear glass, may not be fully covered without a deductible. Policies vary by insurer, so it’s important to review the details of your coverage.
Why Driving with a Damaged Windshield is Risky
Florida law prohibits driving with a windshield that obstructs your view. Even small cracks can spread quickly in the state’s hot climate, turning into large fractures that make your vehicle unsafe. Police officers may issue citations if they determine your visibility is impaired. Beyond legal issues, a damaged windshield compromises the structural integrity of your vehicle and increases the risk of injury in a crash.
Because of these safety concerns, the state’s policy of requiring insurance companies to waive deductibles for windshield replacement helps keep roads safer for everyone.
Comparing Florida to Other States
Florida is one of only a few states that requires insurers to waive deductibles for windshield replacement under comprehensive coverage. Many other states still require drivers to pay their deductible before insurance covers glass damage. This makes Florida particularly driver-friendly when it comes to windshield claims, but it also emphasizes the importance of purchasing comprehensive coverage.
The Cost of Windshield Replacement Without Insurance
Without comprehensive coverage, the cost of replacing a windshield falls entirely on the driver. The price depends on the make and model of your vehicle. Standard replacements can range from $200 to $400, but for modern vehicles equipped with advanced driver-assistance systems (ADAS), costs can exceed $1,000. These systems often require recalibration after a new windshield is installed, further increasing the expense.
Considering these potential costs, adding comprehensive coverage to your policy is often a financially wise decision.
Additional Coverage Options for Glass Protection
Some insurers in Florida may offer specific glass coverage add-ons or endorsements. These can cover all types of auto glass, not just windshields, and may include benefits like mobile repair services. If your insurer offers this option, it may be worth considering for even more comprehensive protection.
How to Ensure Your Coverage Includes Windshield Protection
To make sure you are covered for windshield replacement in Florida, review your policy carefully. Look for comprehensive coverage and verify that it includes glass protection. If you are unsure, contact your insurance agent for clarification. Because laws and policies can change, it’s best to confirm directly with your insurer that you are fully protected.
Conclusion
In Florida, windshield replacement can be covered at no cost to you if you carry comprehensive insurance. Thanks to Florida law, insurers are required to waive deductibles for windshield repairs and replacements, making it one of the most beneficial coverages available to drivers in the state. However, without comprehensive coverage, you will be responsible for paying out of pocket, which can become expensive, especially for newer vehicles with advanced technology. To stay safe, legal, and financially protected, it is always recommended to carry comprehensive coverage that includes windshield replacement. For the best guidance and affordable policies tailored to your needs, contact Car Insurance Florida today.
FAQs
Is windshield replacement free in Florida?
Yes, if you carry comprehensive coverage, Florida law requires insurers to replace or repair your windshield without charging a deductible.
Does basic car insurance cover windshield replacement in Florida?
No, the state minimum required insurance—PIP and PDL—does not cover windshield damage. You need comprehensive coverage for this benefit.
Can I choose where to replace my windshield?
Yes, most insurance companies allow you to choose the repair shop, though they may recommend preferred providers.
Does the free replacement apply to other windows?
Not always. Florida law specifically addresses windshields. Coverage for other glass, like side or rear windows, may vary by policy.
What if I only have liability insurance?
If you only carry liability insurance, windshield replacement is not covered. You will have to pay out of pocket.