Windshield repair is free for many Florida drivers under Articles 627 and 7288 of the Florida Statute. If you have comprehensive car insurance coverage or additional combined coverage, your windshield is covered. What's best for the public is for motor vehicles to have safe windshields, and Florida has a law that prohibits insurance companies from charging a deductible for repairing windshield glass. Whether the windshield was damaged during a hurricane, an act of vandalism, or while driving, some Florida residents can receive a free windshield repair.
The no-deductible windshield replacement law for insurance companies is something few states have, so it's worth considering when choosing an insurance policy. If you choose comprehensive coverage in your insurance plan, you'll have the added benefit of Florida windshield replacement insurance. A damaged windshield could contribute to the cause of a car accident that injures other drivers, passengers, pedestrians, or cyclists. However, many drivers postpone repairing a windshield due to the prohibitive cost of repairing or replacing it. If you have a cracked or chipped windshield, it's usually a good idea to play it safe and repair or replace it.
If you have additional combined coverage or comprehensive car insurance coverage, your insurance company can't charge you a deductible for windshield repair or replacement. Chapter 627.7288 of Title 37 of the Florida Statute states that the deductible does not apply to damage to the windshield of any motor vehicle covered by the insurance policy. Comprehensive coverage repairs or replaces your vehicle for damage caused by anything except a collision. If you don't have collision coverage, you'll have to pay the full cost of repairing the windshield, unless someone else caused the accident. Your insurer legally can't charge a deductible for windshield repairs if you have comprehensive coverage.
Under Florida law, insurers cannot charge a deductible for windshield repairs under comprehensive coverage policies or CAC. Florida, Kentucky and South Carolina are the only three states that require free windshield replacement with appropriate insurance coverage. This means that if you have a damaged windshield that requires repair or replacement, your insurance company will cover this cost 100% with no deductible. So if you're looking for an affordable way to keep your car safe and secure on the roads of Florida, make sure to check if your insurance policy includes comprehensive coverage.