By Kurt Robin, Certified Auto Glass Technician (DOT Certified, 15+ Years Experience)
Quick Answer: Yes, Florida residents with comprehensive auto insurance can get windshield replacement with zero out-of-pocket cost under Florida Statute 627.7288. The process takes 2-4 hours and can be completed at your location.
Am I Eligible? Quick Qualification Checker
Check all that apply to see if you qualify for free windshield replacement:
- Vehicle registered in Florida
- Active comprehensive auto insurance policy
- Windshield damage obstructs driver’s view
- Damage caused by road debris, weather, or vandalism (not intentional)
- Current insurance policy includes glass coverage
If you checked all points, you qualify for free windshield replacement. Get your free quote now.
Why Immediate Windshield Replacement Matters
A damaged windshield creates serious safety and legal risks in Florida:
Safety Hazards:
- Obstructed visibility increases accident risk by 340%
- Compromised structural integrity reduces crash protection
- Interference with Advanced Driver Assistance Systems (ADAS)
- Risk of complete windshield failure while driving
Legal Requirements: Under Florida Statute 316.2952, driving with a cracked windshield that obstructs vision is illegal and carries:
- Fines up to $114
- Points on your driving record
- Potential insurance complications
Don’t wait – Florida law mandates clear visibility for all drivers. Get your windshield replaced today.
Florida’s Zero-Deductible Windshield Law Explained
Florida is one of only four U.S. states offering completely free windshield replacement through insurance. Here’s what you need to know:
The Law (Florida Statute 627.7288)
If your vehicle is registered in Florida and you carry comprehensive auto insurance, your insurer must waive the deductible for windshield replacement. This means zero out-of-pocket cost for qualifying claims.
Coverage Details
- What’s Covered: Full windshield replacement when damage impairs driver vision
- What’s Not Covered: Small chips that don’t obstruct view, intentional damage, negligence
- Deductible: Completely waived by law
- Limits: No annual limits on windshield replacements
Complete Qualification Requirements
1. Insurance Coverage Requirements
Must Have:
- Active comprehensive auto insurance policy
- Policy must include glass coverage (standard in comprehensive plans)
- Account in good standing with no lapsed payments
Does NOT Qualify:
- Liability-only coverage
- Collision coverage without comprehensive
- Expired or lapsed policies
2. Vehicle Registration
- Vehicle must be registered in Florida
- Registration must be current and valid
- Out-of-state vehicles are not eligible, even temporarily
3. Covered Damage Types
Qualifying Damage:
- Road debris (rocks, gravel, construction materials)
- Weather-related damage (hail, fallen branches, storm debris)
- Vandalism or break-in attempts
- Animal impacts
Non-Qualifying Damage:
- Intentional damage or abuse
- Damage from negligent driving
- Pre-existing damage from before policy start date
4. Damage Assessment Criteria
Must Meet:
- Damage impairs driver’s line of sight
- Crack longer than 6 inches in driver’s view area
- Multiple chips creating vision obstruction
- Any damage that prevents safe vehicle operation
Insurance Company Partners & Claim Process
Major Insurance Companies We Work With:
State Farm – Direct billing, 24-hour claim approval GEICO – Streamlined digital claims process Progressive – Mobile claims adjustment available Allstate – Express claim service for glass replacement USAA – Military member priority service Farmers – Same-day approval for most claims Liberty Mutual – Preferred provider network member
Claim Process by Provider:
Most Insurance Companies:
- Call claims hotline or file online
- Provide policy number and damage photos
- Receive claim number (usually within 24 hours)
- Schedule service with approved provider
We handle all paperwork and direct billing for faster service.
Step-by-Step Replacement Process: What to Expect
Step 1: Initial Contact & Assessment (15 minutes)
- Call our team or request online quote
- Provide vehicle details and insurance information
- Schedule mobile service or shop appointment
- Receive confirmation with technician details
Step 2: Insurance Verification (30 minutes)
- We contact your insurance company directly
- Verify coverage and obtain claim approval
- Handle all paperwork and authorization
- Confirm zero out-of-pocket cost
Step 3: Preparation & Removal (45 minutes)
- Technician arrives at your location
- Protect vehicle interior with covers
- Safely remove damaged windshield
- Clean and prepare frame for new glass
Step 4: Installation & Calibration (90 minutes)
- Install new OEM or OEM-equivalent windshield
- Apply premium urethane adhesive
- Calibrate ADAS systems if equipped
- Quality inspection and cleanup
Step 5: Final Inspection & Documentation (15 minutes)
- Complete safety inspection checklist
- Test all electronic systems
- Provide warranty documentation
- Insurance claim completion confirmation
Total Time: 2-4 hours depending on vehicle type and ADAS requirements
Mobile Service Coverage Areas in Florida
Primary Service Zones (Same-Day Service):
- Miami-Dade County
- Broward County
- Palm Beach County
- Hillsborough County (Tampa)
- Orange County (Orlando)
- Duval County (Jacksonville)
- Pinellas County
- Lee County (Fort Myers)
Extended Service Areas (Next-Day Service):
- All remaining Florida counties
- Rural and remote locations
- Commercial and fleet locations
Service Hours:
- Monday-Friday: 7:00 AM – 6:00 PM
- Saturday: 8:00 AM – 4:00 PM
- Emergency service available 24/7
Cost Information & Payment Options
With Comprehensive Insurance:
Your Cost: $0 – Completely free under Florida law
Without Comprehensive Insurance:
Starting Prices:
- Standard sedans: $299-$399
- SUVs and trucks: $349-$499
- Luxury vehicles: $449-$699
- Commercial vehicles: $399-$799
Payment Options for Uninsured:
- Cash, check, or credit card
- 0% financing for 12 months (qualified applicants)
- Fleet discount programs available
- Military and senior citizen discounts
Additional Services:
- ADAS calibration: $150-$300 (required for vehicles with driver assistance systems)
- Molding replacement: $25-$75
- Rain sensor testing: $50
- Tinting application: $100-$200
Why Choose NuVision Auto Glass Florida
Certifications & Credentials:
- DOT certified installation technicians
- ANSI Z26.1 safety standard compliance
- Auto Glass Safety Council (AGSC) members
- Manufacturer-approved ADAS calibration equipment
- Better Business Bureau A+ rating
Insurance Advantages:
- Direct billing with all major insurance companies
- Preferred provider for State Farm, GEICO, Progressive
- Zero-hassle claim processing
- Guarantee of no out-of-pocket costs for insured customers
Service Excellence:
- Lifetime warranty on all installations
- Mobile service across Florida
- Same-day service in major metropolitan areas
- OEM and OEM-equivalent glass options
- Professional ADAS calibration services
Customer Satisfaction:
- Over 10,000 satisfied Florida customers
- 4.6/5 star average rating
- 98% customer retention rate
- Expedited service for emergency situations
Emergency Windshield Replacement Service
Available 24/7 for:
- Complete windshield failure while driving
- Severe damage blocking driver visibility
- Break-in or vandalism situations
- Commercial vehicle emergencies
Emergency Response Times:
- Miami-Dade: 2-4 hours
- Tampa Bay: 2-4 hours
- Orlando: 3-5 hours
- Jacksonville: 4-6 hours
- Other areas: 6-12 hours
Emergency Contact: (855) 213-0100
Get Your Free Windshield Replacement Today
Don’t let a damaged windshield put you at risk. Take advantage of Florida’s zero-deductible law and get your windshield replaced at no cost.
Three Easy Ways to Get Started:
- Online Quote: Complete our 2-minute form for instant pricing
- Phone Consultation: Call (855) 213-0100 to speak with a specialist
- Text Service: Text “WINDSHIELD” to (855) 213-0100 for quick scheduling
Ready to Schedule?
GET FREE QUOTE NOW | CALL (855) 213-0100
Most appointments available within 24 hours. Emergency service is available immediately.
NuVision Auto Glass Florida is licensed, insured, and certified to provide auto glass services throughout Florida. All work is guaranteed and meets or exceeds federal safety standards.
Frequently Asked Questions (FAQs)
Do I have to pay a deductible for windshield replacement in Florida?
No. Florida Statute 627.7288 requires insurance companies to waive deductibles for windshield replacement when you have comprehensive coverage. This means zero out-of-pocket cost for qualifying claims.
Can I choose my own auto glass shop?
Yes. While your insurance company may suggest preferred providers, Florida law allows you to choose any licensed auto glass shop. We work with all major insurance companies and handle the billing directly.
How long does windshield replacement take?
Most replacements take 2-4 hours depending on your vehicle type. Vehicles with Advanced Driver Assistance Systems (ADAS) require additional calibration time. We provide mobile service to minimize disruption to your schedule.
What if I don’t have comprehensive insurance?
You won’t qualify for free replacement under Florida law, but we offer competitive pricing starting at $299, 0% financing options, and military/senior discounts to make replacement affordable.
Is windshield replacement required if there’s a small crack?
If the crack obstructs your view or is in the driver’s line of sight, yes. Florida Statute 316.2952 prohibits driving with damaged windshields that impair visibility. Small chips outside the driver’s view area may be repairable instead.
Will my insurance rates increase after a windshield claim?
Typically no. Glass claims are usually considered “no-fault” claims that don’t affect your rates. However, check with your specific insurance provider for their policy on glass claims.
Do you calibrate ADAS systems after windshield replacement?
Yes. Modern vehicles with features like lane departure warning, automatic emergency braking, or adaptive cruise control require ADAS calibration after windshield replacement. Our certified technicians perform this service using manufacturer-approved equipment.
What type of glass do you use?
We use OEM (Original Equipment Manufacturer) glass or OEM-equivalent glass that meets or exceeds DOT and ANSI safety standards. All glass comes with our lifetime warranty against defects.
Can you replace my windshield today?
In most cases, yes. We maintain inventory for common vehicle makes and models and offer same-day service in major Florida metropolitan areas. Call (855) 213-0100 for immediate scheduling.
What happens if it rains after my windshield replacement?
You can drive immediately after replacement, but we recommend waiting 1 hour before washing your vehicle and 24 hours before using automatic car washes to allow the adhesive to fully cure.
