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.
When does Florida waive the windshield deductible?
Under Fla. Stat. § 627.7288, qualifying comprehensive or combined additional coverage waives the deductible for windshield damage — windshield only; door, rear, quarter, and sunroof glass take your normal deductible. We confirm your coverage free, before any work.
In Bang AutoGlass billed job records through August 7, 2026, 4,518 of 4,573 insured Florida windshield replacements with a known deductible (98.8%) recorded a $0 deductible. That is our job history, not a guarantee for your policy — § 627.7288 applies to the windshield only, with qualifying comprehensive coverage.
Reviewed August 2026 against Fla. Stat. § 627.7288 and Florida's 2023 motor-vehicle-glass law (ch. 2023-136).
What changed under Florida's 2023 glass law?
Claim practices changed; the deductible waiver did not. Three things every Florida driver should know:
Fla. Stat. § 627.7288
The windshield deductible waiver remains in effect
Under Fla. Stat. § 627.7288, the deductible does not apply to windshield damage when the vehicle is covered by qualifying comprehensive or combined additional coverage. The waiver is windshield-only; other vehicle glass uses the policy's normal deductible.
Ch. 2023-136 (SB 1002)
What Florida changed in 2023
Florida's 2023 motor-vehicle-glass law changed claim practices. It prohibits offering anything of value in exchange for making a glass insurance claim and restricts post-loss assignment agreements. Those changes did not repeal § 627.7288.
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 verify your coverage and file the claim for you.
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 your policy includes qualifying comprehensive coverage, a covered windshield replacement carries no deductible. Not sure what you carry? We check it with you, 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.
You carry liability only
The statute doesn't apply — you'd self-pay, with an honest, no-pressure quote before any work.
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.
Will a windshield claim raise my rates in Florida?
Florida does not provide the Arizona-style premium rule (A.R.S. § 20-263) discussed in our Arizona guide, so the honest answer is: it depends on your carrier and policy. Ask your carrier how a windshield claim may be treated under your policy.
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.
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
Use 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 qualifying comprehensive coverage — the trigger for Florida's windshield deductible waiver — before anything is scheduled.
We file the claim for you
We verify coverage and handle the claim paperwork start to finish — you stay in control of your claim.
We schedule the appointment
Our team confirms the appointment details. Next-day service is available in most areas.
We come to you
Home, work, or roadside across Florida. Most jobs take 30–45 minutes — OEM-quality glass, written ADAS calibration documentation, and a lifetime workmanship warranty.
Across Florida — from Tampa Bay and Orlando to Miami and the coasts between. See every Florida city we serve.
If a shop offers something of value for your claim
Walk away. Since July 1, 2023, Florida law (Ch. 2023-136) prohibits offering anything of value in exchange for making a glass insurance claim. A shop that opens with an offer like that 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 an inducement the law prohibits.
Florida windshield law FAQs
Did Florida repeal the windshield deductible waiver 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.
Does Florida really waive the windshield deductible?+
With qualifying comprehensive coverage, yes. Florida Statute § 627.7288 says the deductible on your comprehensive (or combined additional) coverage does not apply to windshield glass damage, so a covered windshield replacement is paid by the insurer in full. You must carry the qualifying 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.
Can a glass shop offer me something of value to file a claim?+
No — since July 1, 2023, Florida law prohibits offering anything of value in exchange for making a glass insurance claim. A shop that opens with an offer like that 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 windshield deductible waiver apply to leased or financed vehicles?+
Only if the policy on the vehicle actually includes qualifying comprehensive coverage. Financing and lease agreements commonly require comprehensive, but the statute turns on your policy, not the loan — 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? Browse all carrier claim guides — or just call (877) 994-5277.
Check your Florida windshield coverage
We verify your comprehensive coverage and windshield deductible before any work. Next-day service is available in most areas.