Florida's $0 windshield law, explained
Fla. Stat. § 627.7288 waives your comprehensive deductible for windshield replacement — and the 2023 reforms protect you from kickbacks, AOB traps, and insurer steering. Here's the plain-English version.
What Florida law actually says
Florida has the strongest windshield-replacement law in the country — and, since 2023, some of the strongest consumer protections around how glass claims are handled. Three things every Florida driver should know:
Fla. Stat. § 627.7288
$0 deductible on windshields
With comprehensive coverage, your deductible does not apply to windshield damage — the insurer covers the replacement in full. On the books since the 1990s and still the law in 2026. Windshield only: other glass takes your normal deductible.
Ch. 2023-136 (SB 1002)
No kickbacks, no AOB
Florida's 2023 reform banned shops from offering anything of value to induce a glass claim, and made assignment-of-benefits agreements for glass void. The era of 'free steak dinner with your windshield' is over — by law.
Ch. 2023-136 (SB 1002)
Your shop, your choice
The same law prohibits insurers from steering you to a particular glass company or location. The claim line may recommend their network — Florida law says the decision is yours.
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 the policy." If you carry comprehensive (most financed and leased vehicles do), a cracked windshield costs you nothing out of pocket — and because it's a not-at-fault comprehensive claim, it's the most routine claim your carrier handles. Not sure what you carry? We check it with you in about two minutes, free.
How a claim works with us
No inducements, no AOB, no pressure — that's the law, and it's also how we'd run it anyway.
Tell us what happened
30 seconds with the form below, a call, or a text. We confirm your vehicle, the glass, and that you carry comprehensive coverage.
We help you file
You stay in control of your claim — no AOB, ever. We walk you through the carrier call and help with the details: policy, damage, date of loss.
We come to you, next-day
Home, work, or roadside, anywhere in Florida. OEM-quality glass, written ADAS calibration documentation, lifetime workmanship warranty.
Florida windshield law FAQs
Is windshield replacement really free in Florida?
If you carry comprehensive coverage, yes — $0 out of pocket. Florida Statute § 627.7288 says the deductible on your comprehensive (or combined additional) coverage does not apply to windshield glass damage. Your insurer pays for the windshield replacement in full. It is not 'free glass for everyone' — you must carry comprehensive 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. 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.
A shop offered me a gift card to file a windshield claim. Is that normal?
It's illegal. Since July 1, 2023, Florida law bans glass shops from offering anything of value — cash, gift cards, dinners, rebates — in exchange for making an insurance glass claim. A shop that opens with an inducement 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.
What is AOB, and will you ask me to sign one?
An assignment of benefits (AOB) hands your insurance claim rights to the shop. Florida's 2023 reform made AOB agreements for auto glass void and unenforceable — so no legitimate Florida glass shop should ask you to sign one. We never take over your claim. You stay in control; we help you file and coordinate directly with you.
Will a windshield claim raise my Florida insurance rates?
Glass claims are comprehensive (not-at-fault) claims, which insurers treat very differently from at-fault accidents — they don't carry the surcharges at-fault claims do. Florida doesn't have a statute on this point the way Arizona does, so the honest answer is: it depends on your carrier, but a single comprehensive glass claim is generally not something that drives a rate increase. Ask your carrier if you're unsure — and we'll never pressure you to file.
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.
Cracked windshield in Florida?
If you carry comprehensive, it's $0 — we check in two minutes, then come to you next-day.
We reply within minutes during business hours.