GUIDE TO FILING A WINDSHIELD REPLACEMENT CLAIM WITH LIBERTY MUTUAL IN TAMPA, FLORIDA

Streamlining the claim process, Bang Auto Glass eliminates wait times with your insurance provider. Here's your roadmap:

Initiating the Claim:

Bang Auto Glass initiates the claim process and verifies the coverages for you on your vehicle.

Appointment Scheduling:

Customers are able to set up next-day appointments at home or work on the initial phone call to Bang AutoGlass.

WILL LIBERTY MUTUAL COVER WINDSHIELD REPLACEMENT?

If you have full coverage with Liberty Mutual, they'll cover repairing or replacing your windshield. Here's what you need to know:

Comprehensive Deductible:

Repairs are deductible-free. However, for full replacements, you may need to pay unless state law or your policy waives the deductible. States such as Florida, Arizona, South Carolina and a few others, waive these comprehensive deductibles. This means nothing out of pocket for the customer.

Florida Residents:

Florida residents won't face deductibles for windshield repairs or replacements.

Collision Claims:

Coverage for damage from a collision depends on your policy. If you're at fault, deductibles may apply. If someone else is at fault, their liability insurance should cover expenses without deductibles.

For deductible details, refer to your policy or contact Liberty Mutual's customer service at 1 (800) 451-7065.

SUBMITTING A LIBERTY MUTUAL AUTO GLASS CLAIM

To file a claim directly with Liberty Mutual, gather:

Your Liberty Mutual Insurance Card with your car’s VIN. Date and details of the incident. Cause and location of damage. Extent of windshield damage. Preferred service provider (e.g., Bang Auto Glass Tampa).

STEP-BY-STEP CLAIM SUBMISSION:

For Policyholders:

Call 1-800-290-8711 for Liberty Mutual Claims. Press “1” for Policyholders. Select “3” to submit your first windshield replacement claim. Inform the representative it's your first Liberty Mutual auto glass claim. Provide your Policy Number and verify personal details. Detail the date, cause, location, and extent of damage. Clearly state your chosen service provider, such as Bang Auto Glass. By following these steps, efficiently file your Liberty Mutual windshield replacement claim and hit the road confidently.

ADDITIONAL INFORMATION AND TIPS:

When filing, act promptly to prevent further damage or increased costs.

Review policy details thoroughly to understand coverage limits, deductibles, and provisions related to windshield damage.

If uncertain, contact Liberty Mutual's customer service for guidance.

Choose a reputable auto glass provider like Bang Auto Glass for quality work and seamless claim processing.

Stay informed and proactive to navigate the process with ease and have your vehicle restored in no time.

In Florida, customers with Comprehensive Coverage are not responsible for any costs associated with windshield repairs or replacements.

The deductible clause “must not be applicable to damage to the windshield of any motor vehicle,” according to Florida Statute 627.7288, designated “Comprehensive coverage; deductible not to apply to motor vehicle glass.”

Most insurance policyholders have a Comprehensive Coverage deductible that they must meet before their policy begins to pay benefits. If their deductible is $500 or $1,000, they would be required to cover this sum before their insurance provider would begin to cover car damage. However, policyholders are not required to pay their deductibles to fix their car’s windshield under the Florida Statute mentioned above. Please be aware that this “Deductible Waiver” does not cover any other glass on your car, including the back and door glass. 

INSURANCE CLAIMS FOR WINDSHIELD-ONLY DAMAGE

The Florida Statute mentioned above ensures that, regardless of your Comprehensive Deductible, you will not be required to pay any out-of-pocket costs to have your windshield repaired or replaced if it is the only component of your car that has been damaged. Your insurance provider will pay for all expenses incurred in conducting windshield repairs.

Understanding What Your Liberty Mutual Auto Glass Claim Covers

For Florida residents insured under Liberty Mutual auto insurance with Comprehensive Coverage, the policy fully covers expenses related to windshield repairs or replacements.

Florida Statute 627.7288 outlines regulations concerning "Comprehensive coverage; deductible not to apply to motor vehicle glass," stipulating that the deductible clause does not apply to windshield damage for any motor vehicle.

Typically, policyholders have a deductible under their Comprehensive Coverage policy, which they must satisfy before their insurance benefits take effect. However, according to the Florida Statute, policyholders are exempt from paying this deductible for windshield repairs. It's crucial to note that this exemption solely applies to the windshield and does not encompass other glass components such as the back or door glass.

Filing an Insurance Claim for Windshield Damage Only

Thanks to the Florida Statute, regardless of your Comprehensive Deductible, you won't incur any out-of-pocket expenses for windshield repairs or replacements if it's the sole damaged component of your vehicle. All costs associated with windshield repairs are covered by your insurance provider.