That sudden thwack on the highway is a sound every Florida driver knows. One minute you’re cruising along, the next you’re staring at a new chip or crack in your windshield. It’s more than just an annoyance-it’s a real safety issue.
The good news? Thanks to a unique Florida law, getting it fixed might not cost you a dime. If you have comprehensive insurance, you could be eligible for a free repair or even a full windshield replacement with no deductible.
Here’s a straightforward guide to how Florida’s windshield coverage works, what you need to know about modern safety features, and how to get back on the road safely and quickly.
What Does the Florida Law Actually Say?
In simple terms, Florida statute $627.7288 states that if you have comprehensive coverage, your insurance company cannot charge you a deductible for windshield repair or replacement. That means the entire cost is covered for a qualified claim.
The goal of the law is simple: to encourage drivers to fix these issues immediately, putting them off due to cost. This keeps everyone on the road safer by ensuring clear visibility and structural integrity.
Do I Have This Coverage?
This zero-deductible benefit isn’t automatic for everyone. It only applies if you have comprehensive coverage (sometimes listed as “comp” or “other than collision” on your policy).
If you only carry the state-minimum liability insurance, this benefit doesn’t apply. You’d have to pay out of pocket or see if you can add glass coverage. It’s always a good idea to double-check your policy details before you need to use them.
Repair vs. Replacement: What’s Covered?
Not every windshield ding means you need a whole new window. Here’s the general rule of thumb:
- Repair: Small chips and pits that are away from the driver’s line of sight can usually be repaired quickly-often for free under your comprehensive coverage. Insurers prefer this because it’s fast and cost-effective.
- Replacement: Larger cracks, damage that spiders across the glass, or any imperfection that obstructs the driver’s view typically requires a full replacement. The best part? With the right coverage, this is also covered with $0 deductible.
A Key Consideration for Modern Cars: ADAS Calibration
This is the big one many people don’t know about. If your car has any advanced driver-assistance systems (ADAS)-like lane-keeping assist, automatic emergency braking, or adaptive cruise control-the cameras and sensors are often mounted behind the windshield.
A replacement isn’t just about the glass. Those critical safety systems need to be professionally recalibrated so they work correctly. Not all insurance policies automatically cover this cost, so it’s crucial to ask upfront. Always choose a glass shop that is experienced with ADAS calibration to ensure your safety features are restored to factory condition.
Why a Mobile Service is a Game-Changer
Who has time to sit in a repair shop for hours? A licensed mobile windshield replacement service brings the shop to you-at your home, office, or even the grocery store parking lot.
This is incredibly convenient and minimizes your downtime. Most insurers work directly with mobile providers, making the claims process smooth and keeping your out-of-pocket cost at zero. It’s the easiest way to get a professional repair without disrupting your day.
5 Practical Tips to Use Your Coverage
- Check Your Policy: Confirm you have comprehensive coverage before you need to file a claim.
- Don’t Wait: A small chip can quickly turn into a long crack with a temperature change or a bump in the road. File your claim promptly.
- Ask About ADAS: If your car has safety features, immediately ask your insurer and your glass provider about calibration coverage. Choose a shop that does it right.
- Go Mobile: For the easiest experience, use an insurance-approved mobile service like NuVision Auto Glass. They handle the paperwork and come to you.
- Stay Legal: Driving with a cracked windshield that obstructs your view is a ticketable offense. Fixing it fast keeps you safe and legal.
The Simple Checklist for Your Claim
- Snap photos of the damage from inside and outside the car.
- Call your insurer to start the claim and confirm your $0 glass deductible.
- Ask if they have a preferred shop or if you can choose your own (like a trusted mobile service).
- If you have ADAS, confirm that calibration is included in the claim.
- Schedule your appointment and get it fixed!
The Bottom Line
Florida’s law is designed to protect you. If you have comprehensive insurance, use it to maintain a safe vehicle. There’s no reason to drive around with a damaged windshield.
Ready for a Clearer, Safer View?
If you’ve got a chip or crack, the team at NuVision Auto Glass is here to make the process simple. We’re experts in dealing with insurance claims and handle all the paperwork for you. We offer a fully-equipped mobile service that comes to you and are certified in precise ADAS calibration to ensure your car’s safety systems work perfectly.
Contact NuVision Auto Glass today for a free, no-obligation estimate and let us help you get back on the road safely with no out-of-pocket cost.
Conclusion
An understanding of windshield coverage in Florida will help drivers comply with state laws while insulating them from unexpected repair costs. Florida’s auto glass coverage permits comprehensive policyholders to repair and replace a windshield without paying a deductible. Timely repairs will prevent future damage and keep the vehicle safe.
If your vehicle needs ADAS calibration, it is essential to choose the right service. Don’t wait until a minor crack spreads; contact NuVision Auto Glass today for professional auto glass repair and replacement services.
FAQs
1. Does Florida still replace windshields for free?
Yes, Florida law requires insurance companies to provide free windshield replacement under comprehensive coverage with no deductible.
2. Is my windshield covered by insurance in Florida?
If you have comprehensive insurance, your windshield repair & replacement is typically covered, including mobile service options.
3. What is the law in Florida about windshields?
Florida requires windshields to be free of obstructions. If a crack affects visibility, it must be repaired or replaced.
4. Who is responsible if a rock hits my windshield?
Unless another driver’s negligence can be proven, windshield damage from road debris is usually covered under comprehensive auto insurance.
