Is Windshield Replacement Free in Florida?

For residents of Florida, a common question is whether or not windshield replacement is free in their state. This topic is a hot one with drivers who are concerned about the cost of repairing or replacing a damaged windshield. There are many factors that go into answering that question but for the most part, no, the windshield is not free. 

The good news is, depending on the factors involved, Florida residents may be able to get their windshield replaced without paying any out-of-pocket costs, which can feel like it’s free. However, this “no out-of-pocket” option depends on factors like what type of insurance coverage you have, the type of damage the windshield has sustained, and the specific circumstances to the claim. 

In this blog, we will explore when and how windshield replacement might be available at no out-of-pocket costs to residents of Florida including the rules and requirements that apply. 

Florida’s No-Fault and Auto Glass Insurance Laws

The state of Florida is a “no-fault” state when it comes to auto insurance. What this means is if you are in an accident your insurance company typically covers the damages your vehicle sustains. It doesn’t matter who was at fault. 

Florida also has laws that apply to auto glass replacement stating that residents with comprehensive insurance do not have to pay a deductible for windshield repairs or replacement, which means they may cover the entire cost. While this seems free, the reason it isn’t technically free is because you pay for the insurance. But the scenario we just explained is a no out-of-pocket situation for the consumer. 

Comprehensive Coverage vs Liability Coverage

There are many types of auto insurance available to the consumer but the two that are most important here are comprehensive and liability. 

Comprehensive coverage is also known as full coverage. This type of policy is typical for drivers who are financing their vehicle. Comprehensive insurance is the type of insurance the driver must have for the windshield law to apply.

Liability insurance only covers any damage you may do to others in an accident. Drivers with this type of coverage typically don’t have any insurance coverage for their vehicle so no, your vehicle’s damaged windshield will probably not be covered when repaired or replaced.

Florida’s “No Deductible” Windshield Law

Under Florida Statute 627.7297 if a resident has comprehensive insurance the policy may cover windshield repairs or replacements with no deductible. This is an amazing benefit for Florida drivers because being free of the deductible makes it easier for drivers to repair or replace their damaged windshield without worrying about any out-of-pocket costs. 

Does This Law Apply to All Types of Insurance Policies?

This no-deductible windshield replacement law applies to all insurance policies in Florida that include comprehensive coverage, but there are exceptions and considerations. 

• Only Applies to Windshields: This law is only for windshield repair and replacement services. Other auto glass issues with side windows or rear might require you to meet your deductible when repairing or replacing. 

• Limited Coverage for Non-Policy Holders: If you have any other type of insurance besides comprehensive coverage this law will not cover the cost of repairing or replacing your damaged windshield. 

• Claims Process: You will have to report your damaged windshield to your provider. When you do, they may try to patch you over to an auto glass company they select. You have the right to choose your auto glass technician and a small, independently-own auto glass shop is the better choice. You’ll have a more personalized experience, an expertise big corporations can’t provide, and they’ll also work directly with your insurance provider. 

• Premiums: Filing a claim on your windshield could raise your insurance premium, but this depends on your claims history and insurance provider. Check with your insurer about any potential impact this could have before proceeding. If it raises your premiums, you may be better off paying out of pocket. 

Does Your Windshield Need Repair or Replacement in Panama City or Chipley, FL Areas? 

If you live, work, or pass through Panama City, Chipley, Marianna, or the Youngstown areas of Florida, contact us at Wisefly Auto Glass. All of our technicians are certified and have experience providing windshield repair and replacements on all types of vehicles. Wisefly Auto is an award winning auto glass company who will be more than happy to help you make that insurance claim.