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The Florida windshield replacement law, § 627.7288, covers the windshield and nothing else on the car. Here’s what it says, what it leaves out and how we help you file.
Using insurance? We check your policy for comprehensive coverage and help you file your windshield claim.
Rather text? (877) 350-5962 · Not sure we cover you? Check your ZIP
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Choose insurance as the way you pay and we confirm your comprehensive coverage before we book. Rather talk it through? Call (877) 994-5277.
So easy to work with and so efficient. They replaced my windshield and I was extremely happy with the outcome and over all process and experience. Very professional and customer service oriented. 10/10 recommend
Reviews from Florida drivers
This is the 2nd time I used this company and they were as good the 2nd time as they were the first. Awesome customer service!! Highly recommend.
The people at Bang AutoGlass are the best, they go out of their way to give the best service and customer service.
Bang AutoGlass and their mobile windshield replacement service made it super easy for me to get my windshield replaced! Thank you guys
Great service loved how I was treated and the price was great as well!
Fla. Stat. § 627.7288
It is one sentence. Here is the text, then what it means for your claim.
The deductible provisions of any policy of motor vehicle insurance, delivered or issued in this state by an authorized insurer, providing comprehensive coverage or combined additional coverage shall not be applicable to damage to the windshield of any motor vehicle covered under such policy.
For a cracked windshield on a Florida policy with comprehensive coverage, that means $0 Deductible with Comprehensive Coverage.
The policy needs comprehensive (or combined additional) coverage. A liability-only policy doesn’t pay for glass at all.
In Arizona? Arizona’s glass rule is different (A.R.S. § 20-264)
Windshield
Once your coverage is confirmed, a windshield is often $0 out of pocket.
Check my coverageDoor, rear & sunroof
Paying yourself? You get the price before anything is scheduled.
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How it works
Tell us the car, and we check your coverage. Online, by phone or by text. The claim stays in your name: we look at your policy with you, then help you open it with your insurer.
We come to you. In the Tampa, Orlando, Miami, Jacksonville and West Palm Beach areas, Monday to Saturday, 8am–6pm. The cracked windshield comes out on site.
New glass in; we bill your insurer. Most windshields take 30–45 minutes, and we bill your insurer directly.
Fla. Stat. §§ 627.7291, 627.7289, 559.920
Florida rewrote its windshield claim rules in 2023 (chapter 2023-136). These are the parts that matter when you call us.
A person, including an insurer, agent, adjuster, or any person or entity acting on the insurer’s, agent’s, or adjuster’s behalf, may not require a claimant to use a particular company or location for the provision of motor vehicle windshield glass replacement, repair, or calibration services or windshield glass products which are subject to a claim for replacement, repair, or calibration, in whole or in part, under the terms of a personal lines automobile insurance policy.
On a personal auto policy, your insurer may not require you to use a particular company for windshield replacement or calibration. If you accepted a policy discount for a set repair arrangement, check your policy.
On policies issued or renewed on or after July 1, 2023, signing glass benefits over to a shop is void (§ 627.7289). We never ask for that: you stay the claimant, and we help you file.
Florida bars glass shops from offering cash, gift cards or anything else of value for making a glass claim (§ 559.920(17)). We don’t, and we never will.
Under Fla. Stat. § 559.920(18), a repair shop must give the customer “electronic notice or written notice in at least 12-point type” on whether calibration of the advanced driver assistance system “is required as part of the replacement or repair of motor vehicle glass.” If your car’s camera needs recalibrating after the new windshield, we tell you up front, before any work starts. About ADAS calibration
The shop rule is written for personal auto policies. A vehicle on a commercial policy follows that policy’s terms.
Service area
The Tampa, Orlando, Miami, Jacksonville and West Palm Beach areas and the cities around them. Pick yours for its local page.
Not sure what your policy says? Call (877) 994-5277, answered 24/7, or send a photo of your declarations page by text to (877) 350-5962.
Not when your Florida policy has comprehensive coverage. Fla. Stat. § 627.7288 says the deductible doesn’t apply to windshield damage. We check your policy with you before booking.
No. The rule names the windshield only. For door, rear and sunroof glass, your policy’s own terms and deductible apply, and we check them with you.
A liability-only policy doesn’t pay for your own glass, windshield included. You can still get a free quote and pay for the replacement yourself.
Not automatically. In 2007 the Florida Supreme Court held that a crack breaks Fla. Stat. § 316.610 only if it makes the car unsafe for people or property. It depends on the crack, and this is general information, not legal advice.
Ask your insurer or agent. Rating rules vary by company and policy, and we can’t predict them.
On a personal auto policy, your insurer may not require you to use a particular company for windshield work (Fla. Stat. § 627.7291). If you took a discount for a set repair arrangement, check your policy.
Not on a policy issued or renewed on or after July 1, 2023: Fla. Stat. § 627.7289 makes those assignments void. You stay the claimant, and we help you file your claim.
Fla. Stat. § 559.920(17) bars shops from offering cash, gift cards, rebates or anything else of value for making a glass claim. We don’t offer any.
If your car’s camera needs recalibrating after the new windshield, we tell you up front, before any work starts. The calibration is then part of the job, done in the same visit where it can be done on site. On a personal auto policy, § 627.7291 lists calibration among the windshield services an insurer may not require you to get from a particular company. About ADAS calibration.
It follows the policy. If a Florida policy covers the leased car and includes comprehensive coverage, the windshield rule applies to it.
Mon–Sat, 8am–6pm
