Florida has unique auto glass insurance laws designed to protect drivers from the costs of windshield damage. These laws make it easier for drivers with comprehensive insurance to get their windshields repaired or replaced without paying a deductible.
Understanding how Florida’s auto glass insurance laws work can help drivers take full advantage of their coverage and ensure their vehicle remains safe and roadworthy.
Does Florida Offer Free Windshield Replacement?
Florida law requires insurance companies to cover the full cost of windshield replacement for drivers with comprehensive auto insurance. This means that if your windshield is damaged by road debris, weather, or other covered incidents, your insurance provider must pay for the replacement without charging a deductible.
Key Points About Florida’s Windshield Replacement Law
Applies only to comprehensive insurance policies, not liability or collision coverage
Covers full windshield replacement at no cost to the policyholder
No deductible required, meaning drivers pay nothing out of pocket
The law applies to private passenger vehicles registered in Florida
Drivers can choose their preferred auto glass repair company
If you have comprehensive insurance, you can have your windshield replaced at no cost whenever damage occurs.
What Other Auto Glass Damage Is Covered?
While Florida’s law specifically covers windshield replacement, other types of auto glass damage may also be included in your insurance policy.
Types of Auto Glass Covered Under Comprehensive Insurance
Side windows and rear windshields, though a deductible may apply
Sunroofs and moonroofs, depending on the insurance policy
Windshield chip and crack repairs, often covered at no cost
Checking with your insurance provider can confirm whether additional glass repairs are covered under your policy.
Does Florida’s Auto Glass Law Cover Repairs?
Florida’s law focuses on full windshield replacements, but many insurance providers also cover repairs for minor chips and cracks. Since repairs are often less expensive than full replacements, insurers may encourage repairs before the damage spreads.
When a Windshield Repair May Be Covered
The chip or crack is small and does not obstruct the driver’s view
The damage is not near the edges of the windshield
The repair is performed by an approved auto glass provider
If the damage can be repaired rather than replaced, insurance companies may fully cover the cost of the repair.
How to File an Auto Glass Insurance Claim in Florida
If you need a windshield repair or replacement in Florida, the process is straightforward. Most auto glass companies work directly with insurance providers to handle the claim for you.
Steps to Get Your Windshield Replaced Through Insurance
Contact an auto glass repair company and provide your insurance details.
The provider verifies coverage and confirms that no deductible applies.
Schedule a mobile or in-shop appointment for windshield replacement.
The technician completes the replacement, usually within an hour.
No payment is required if the service is covered by comprehensive insurance.
Since insurance companies are required to cover the cost, the process is simple and hassle-free for policyholders.
Can You Choose Any Auto Glass Company?
Florida law allows drivers to choose their preferred auto glass repair company. While insurance providers may recommend certain shops, policyholders are not required to use them.
Choosing the Right Auto Glass Provider
Look for certified technicians who follow industry safety standards
Choose a company that offers OEM or OEM-equivalent glass
Ensure the provider works directly with insurance companies to handle claims
Select a company that provides a lifetime warranty on windshield replacements
Selecting a reputable auto glass company ensures a high-quality replacement that meets safety standards.
Final Thoughts: Understanding Florida’s Auto Glass Insurance Laws
Florida’s auto glass insurance laws provide significant benefits for drivers with comprehensive coverage by allowing them to replace their windshields at no cost. Whether you need a repair or a full replacement, choosing a trusted auto glass provider ensures proper installation and long-term durability.
For professional windshield repair and replacement services in Florida, contact Bang AutoGlass today. Their mobile service makes it easy to get your windshield fixed quickly and safely.
