Florida windshield law, explained
Florida policy with comprehensive? The windshield deductible doesn't apply. We come to you.
Free coverage check. We help you file the claim.
A completed Bang AutoGlass mobile windshield replacement in St. Petersburg, Florida
When does Florida waive the windshield deductible?
Under Fla. Stat. § 627.7288, the deductible does not apply to windshield damage when the policy has comprehensive or combined additional coverage. This is windshield only. Door, rear, quarter, and sunroof glass use the policy's normal deductible. A covered windshield can have $0 Deductible with Comprehensive Coverage. We check your coverage free before work is scheduled.
Comprehensive or combined additional coverage
For windshield damage, the deductible does not apply under § 627.7288. We check the policy first and help you file the claim.
Liability only
The windshield law does not apply. Ask for a clear self-pay quote before any work is scheduled.
Check your declarations page
It is the policy summary that lists the coverages on each vehicle. Look for comprehensive or combined additional coverage on the car with the damaged windshield.
Check your windshield coverage
Call for a free coverage check. We confirm the policy first, help you file the claim, and bill the insurer directly.
The windshield waiver still applies
Florida did not repeal this law in 2023. Its history ends with ch. 97-178 in 1997. It applies when a policy has comprehensive or combined additional coverage, and it applies only to windshield damage.
You can choose the windshield shop
For a personal-lines windshield claim, an insurer may explain your benefits but may not require a particular company or location. If you accepted a policy with a windshield repair arrangement, check its terms.
Claim inducements are banned
The 2023 law bars a shop from offering anything of value in exchange for making a glass claim. The same law also ended post-loss assignment of benefits for motor vehicle glass claims (Fla. Stat. § 627.7289).
Reviewed October 2026 against Fla. Stat. §§ 627.7288, 627.7291, 627.7289, and 559.920.
Windshield coverage is different
Florida's deductible rule covers the windshield only. Other vehicle glass may be covered by comprehensive insurance, but the normal deductible applies.
Windshield
- Does not apply with comprehensive or combined additional coverage
- Comprehensive on your declarations page. Some policies call it Other Than Collision.
Door, rear, quarter and sunroof glass
- The policy's normal deductible applies
- The comprehensive deductible amount on your declarations page
| Glass | Deductible in Florida | What to check |
|---|---|---|
| Windshield | Does not apply with comprehensive or combined additional coverage | Comprehensive on your declarations page. Some policies call it Other Than Collision. |
| Door, rear, quarter and sunroof glass | The policy's normal deductible applies | The comprehensive deductible amount on your declarations page |
Need other glass? See our door glass replacement, rear glass replacement, and sunroof glass replacement pages.
Reviews from our Florida Google profiles
“Great job to the Bang Team. They replaced my windshield while I was working and made the whole process easy to understand.”
Daniela Carrascal · Google review · Tampa Bay profile · August 15, 2026 “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”
Michelle Padilla · Google review · Miami profile · August 18, 2026 “I was nervous about replacing a windshield with cameras and sensors, but Bang AutoGlass nailed it. They explained the calibration step, and verified everything before leaving. Clear communication, careful work, and new windshield. Five stars for safety and accuracy.”
Vanessa Roberts · Google review · Miami profile · November 11, 2025
Where we come to you
We serve Orlando, Jacksonville, Tampa, Miami, West Palm Beach and the Fort Myers area.
Florida windshield law FAQs
Did Florida repeal the windshield deductible waiver in 2023?
Does Florida really waive the windshield deductible?
What does comprehensive cover in Florida?
Does the law cover door, rear, or sunroof glass?
Can my insurance company make me use its network shop?
Can a glass shop offer me something of value to file?
What if I only carry liability coverage?
Will a windshield claim raise my rates in Florida?
What does Florida law say about ADAS calibration?
General information, not legal or insurance advice; coverage details vary by policy. We check your coverage free before work is scheduled.
Check your Florida windshield coverage
Call for a free coverage check, or send your vehicle details for a free quote. We come to your home or work.
- Mobile service. We come to your home, work or roadside.
- Insurance guidance. Coverage checks, claim guidance and direct billing to your insurer.
- Glass and calibration. OEM-quality glass, and calibration during the same visit where the procedure can be done on site.
- Workmanship warranty. The warranty lasts for as long as you own the vehicle.
- 4.74.7out of 5 stars on Google
- 350+reviews across our Google profiles
- 14,000+completed installs
- Latest review: September 2026