Florida's $0 windshield law, explained
Fla. Stat. § 627.7288 waives your comprehensive deductible for windshield replacement — and the 2023 reforms protect you from kickback gimmicks and insurer steering. Here's the plain-English version.
Short answer: with comprehensive coverage, Florida waives the windshield deductible entirely under Fla. Stat. § 627.7288 — windshield only; door, rear, quarter, and sunroof glass take your normal deductible. Financed and leased vehicles almost always carry comprehensive. We confirm your coverage free, before any work.
Does Florida still replace windshields for free?
Yes — the benefit survived. With comprehensive coverage, Fla. Stat. § 627.7288 still waives your windshield deductible, so replacement is often $0 out of pocket. What ended in 2023 were the gimmicks around it, not the waiver. Three things every Florida driver should know:
Fla. Stat. § 627.7288
$0 deductible on windshields
With comprehensive coverage, your deductible does not apply to windshield damage — the insurer covers the replacement in full. On the books since 1979 and still the law in 2026. Windshield only: other glass takes your normal deductible.
Ch. 2023-136 (SB 1002)
No kickbacks or gimmicks
Florida's 2023 reform banned shops from offering anything of value — cash, gift cards, dinners — in exchange for making a glass claim. The era of 'free steak dinner with your windshield' is over, by law. We earn the job with the work itself.
Ch. 2023-136 (SB 1002)
Your shop, your choice
The same law protects your right to choose your own glass company. The easiest way to use that choice: call us first — we confirm your coverage, then get your insurance company on the phone together and handle the claim from there.
The one-line version: comprehensive coverage = $0 windshield
The statute's own words: the deductible "shall not be applicable to damage to the windshield of any motor vehicle covered under such policy." If you carry comprehensive (most financed and leased vehicles do), a cracked windshield costs you nothing out of pocket — and because it's a not-at-fault comprehensive claim, it's the most routine claim your carrier handles. Not sure what you carry? We check it with you in about two minutes, free.
Read it yourself: Fla. Stat. § 627.7288 on Online Sunshine ↗
Who qualifies for $0
You carry comprehensive coverage
You're the $0 case — § 627.7288 waives the windshield deductible entirely.
Your vehicle is financed or leased
Lenders require comprehensive, so you almost certainly carry it — which means almost certainly $0 on a windshield.
You carry liability only
The statute doesn't apply — you'd self-pay, with an honest, no-pressure quote before any work.
Will a windshield claim raise my rates in Florida?
Glass claims are comprehensive, not-at-faultclaims, which insurers treat very differently from at-fault accidents — they don't carry the surcharges at-fault claims do. Florida doesn't have a statute on this point the way Arizona does (A.R.S. § 20-263), so the honest answer is: it depends on your carrier and policy. But a single comprehensive glass claim is generally not something that drives a rate increase.
If it matters to you, ask your carrier directly how a comprehensive glass claim is treated on your policy — and we will never pressure you to file.
General information, not legal or insurance advice — coverage and rating details vary by policy and carrier.
Windshield vs. everything else
The waiver is windshield-only — the single most misunderstood part of the law. Here's where each piece of glass lands.
| Glass | What applies in Florida |
|---|---|
| Windshield | $0 — the § 627.7288 deductible waiver applies (with comprehensive) |
| Door glass | Covered by comprehensive — normal deductible applies |
| Rear glass | Covered by comprehensive — normal deductible applies |
| Quarter glass | Covered by comprehensive — normal deductible applies |
| Sunroof glass | Covered by comprehensive — normal deductible applies |
Broke something other than the windshield? See door glass replacement, rear glass replacement, and sunroof glass replacement.
How a Florida windshield claim works with us
Simple, transparent, and quick — here's what to expect from start to finish.
Tell us what broke
30 seconds with the form below, a call, or a text — your vehicle, the glass, and where the car will be.
We verify your coverage — free
We confirm you carry comprehensive — the trigger for Florida's $0 windshield benefit — before anything is scheduled.
We get your insurer on the phone together
You approve, we do the talking and the claim paperwork — start to finish. You stay in control of your claim.
Appointment set on the same call
No callbacks, no phone tag. Next-day appointments in most areas.
We come to you
Home, work, or roadside, anywhere in Florida. Most jobs take 30–45 minutes — OEM-quality glass, written ADAS calibration documentation, and a lifetime workmanship warranty.
Anywhere in Florida — from Tampa Bay and Orlando to Miami and the coasts between. See every Florida city we serve.
If someone offers you cash for your claim
Walk away. Since July 1, 2023, Florida law (Ch. 2023-136) bans glass shops from offering anything of value — cash, gift cards, dinners, rebates — in exchange for making an insurance glass claim. A shop that opens with an inducement is telling you how it operates.
The same reform cuts both ways: your insurer can't require you to use its network shop, either. The claim is yours, the coverage is yours, and the choice of shop is yours — we'd rather earn it with OEM-quality glass, documented calibration, and a lifetime workmanship warranty than with a gift card.
Florida windshield law FAQs
Did Florida repeal the free windshield law in 2023?+
No. Fla. Stat. § 627.7288 is still in force and still says the comprehensive deductible does not apply to windshield damage — its legislative history ends at ch. 97-178, back in 1997, and nothing since has amended it. What changed in 2023 was different: SB 1002 (ch. 2023-136) ended assignment of benefits for glass claims, so you can no longer sign your claim over to a shop, and it barred shops from offering an inducement in exchange for filing a claim. Your deductible waiver survived all of it. If a shop tells you the law is gone, or offers you something of value to file, both are reasons to be careful.
Is windshield replacement really free in Florida?+
If you carry comprehensive coverage, yes — $0 out of pocket. Florida Statute § 627.7288 says the deductible on your comprehensive (or combined additional) coverage does not apply to windshield glass damage. Your insurer pays for the windshield replacement in full. It is not 'free glass for everyone' — you must carry comprehensive coverage, and it applies to the windshield only.
Does Florida's zero-deductible law cover door glass, back glass, or sunroofs?+
No — this is the most common misunderstanding we see. § 627.7288 applies only to the windshield. Side, rear, quarter, and sunroof glass are still covered by comprehensive, but your normal deductible applies to those. Worth knowing if you also drive in Arizona: A.R.S. § 20-264(B) defines its optional zero-deductible coverage as reaching "the glass used in the windshield, doors and windows," so the two states genuinely differ in scope. We'll tell you exactly where your job lands before any work.
Can my insurance company make me use Safelite or their network shop?+
No. Florida's 2023 glass-claim reform (Chapter 2023-136, from Senate Bill 1002) expressly prohibits insurers from requiring that repairs be made by a particular company or location. Your insurer's glass hotline may suggest a network provider — but under Florida law, the choice of shop is yours.
A shop offered me a gift card to file a windshield claim. Is that normal?+
It's illegal. Since July 1, 2023, Florida law bans glass shops from offering anything of value — cash, gift cards, dinners, rebates — in exchange for making an insurance glass claim. A shop that opens with an inducement is telling you how it operates. We never offer incentives to file claims; we earn the job with OEM-quality glass, documented ADAS calibration, and a lifetime workmanship warranty.
Does the $0 windshield law apply to leased or financed vehicles?+
Almost always, yes — lenders and leasing companies require comprehensive coverage, and comprehensive is exactly what triggers Florida's zero-deductible windshield benefit. If your vehicle is financed or leased, you very likely qualify. We confirm your coverage with you before any work is scheduled.
What if I only carry liability?+
Then the statute doesn't apply, and glass isn't covered — but you're not stuck. We'll give you a clear, no-pressure self-pay quote for your exact vehicle and glass before any work begins, and you can add comprehensive going forward so the next rock chip is a covered one.
Is ADAS camera calibration included?+
If your windshield has a forward-facing camera (most 2018+ vehicles), replacement requires recalibration for your lane-keep and emergency-braking systems to work correctly. Florida's 2023 law put glass-related ADAS calibration under the Motor Vehicle Repair Act, with written-notice requirements — we calibrate to OEM specifications and document it in writing, every time.
General information, not legal or insurance advice — coverage details vary by policy. We confirm yours, free, before any work. Arizona driver? Read the Arizona full glass coverage guide.
Carriers Florida drivers file with most
From our own Florida job history. Pick yours to see how a glass claim works with them.
Insured with someone else? See every carrier we bill — or just call (877) 994-5277.
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Cracked windshield in Florida?
If you carry comprehensive, it's $0 — we check in two minutes, then come to you next-day.
We reply within minutes during business hours.