Florida's windshield law, explained
The $0-deductible rule is still the law. What changed in 2023 is how shops are allowed to behave. Here's the plain-English version.
The $0 deductible is still real
Florida Statute §627.7288 says that if your policy includes comprehensive coverage, your insurer may not apply a deductible to windshield glass repair or replacement. That rule survived every recent reform — with comprehensive coverage, a cracked windshield is a $0 out-of-pocket fix in Florida today.
Two fine-print points: it covers the windshield only (door, quarter, and rear glass follow your normal comprehensive deductible), and liability-only policies don't qualify. Filing a glass claim under comprehensive coverage is not an at-fault claim.
What SB 1002 actually changed (July 2023)
For years, Florida glass claims were plagued by sign-here-first paperwork and parking-lot solicitors offering gift cards. Senate Bill 1002 ended both:
- No more assignment of benefits (AOB). A glass shop can no longer have you sign your insurance benefits over to them for a windshield claim. Your claim stays yours — the shop works for you, not your policy.
- No inducements. Offering cash, cash back, gift cards, rebates, or anything of value to get you to file an insurance glass claim is now illegal in Florida. If a shop leads with a giveaway for insurance work, it is breaking the law.
- Your choice of shop is protected. Insurers and their claims administrators may suggest a network provider, but Florida drivers choose their own repair facility.
We built our Florida process around the new rules: no AOB paperwork, no gimmicks — we verify your comprehensive coverage, confirm the $0 deductible applies, and book your mobile appointment in a single call.
Florida windshield law FAQs
Is windshield replacement still free in Florida?+
If you carry comprehensive coverage, yes — Florida Statute 627.7288 requires your insurer to waive the deductible for windshield glass repair or replacement. You pay nothing out of pocket. It applies to the windshield only, not door, quarter, or rear glass, and you must have comprehensive (not liability-only) coverage.
What did Florida Senate Bill 1002 change in 2023?+
Two big things. First, it ended assignment-of-benefits (AOB) agreements for motor vehicle glass claims — a shop can no longer take over your insurance claim by having you sign your benefits away. Second, it made it illegal for a glass shop to offer you cash, gift cards, rebates, or anything of value as an inducement to file an insurance glass claim.
A glass shop offered me a gift card for my insurance claim. Is that legal?+
No. Since July 1, 2023, offering anything of value to induce an insurance windshield claim is prohibited in Florida. A shop still advertising cash back or gift cards for insurance work is operating outside the law — a good reason to book with someone else.
Can my insurance company force me to use their glass network?+
You have the right to choose your own repair facility in Florida. The insurer or its claims administrator may recommend a network shop, but the choice of who replaces your windshield is yours.
Does the $0 deductible cover ADAS camera recalibration too?+
When a windshield replacement is covered, the recalibration the vehicle requires as part of that replacement is part of completing the job properly. We perform the required calibration in the same appointment and include it in the claim.
This page is general information about Florida's auto glass rules, not legal advice. Coverage details vary by policy — we confirm yours with your insurer before any work.
Cracked windshield in Florida?
Comprehensive coverage means a $0 deductible on windshield replacement (Fla. Stat. §627.7288). We verify your coverage and come to you.
We reply within minutes during business hours.