If you have a cracked or chipped windshield, it’s usually a good idea to play it safe and have it repaired or replaced. the alternative is to risk a ticket or an accident due to an obstructed view.
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Fortunately, the Florida Windshield Law can help you replace that windshield for free if you have the right type of auto insurance policy. Continue reading to learn more about windshield coverage in Florida.
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florida windshield replacement insurance helps keep your vision unobstructed and you drive safely. You can compare Florida windshield replacement insurance rates today with our free quote tool above, just enter your zip code.
florida free windshield repair law
In the United States, it is illegal to operate a vehicle when the driver’s view is obstructed. That means if you’re pulled over by the police with a broken windshield, you’re likely to get a ticket.
The good news is that a Florida law makes windshield repairs free to anyone with a comprehensive insurance policy included. This means that if you have a damaged windshield that requires repair or replacement, your insurance company will cover this cost at 100% with no deductible.
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This is a law that few states have. Florida, Kentucky, and South Carolina are the only three states that require free windshield replacement with adequate insurance coverage.
It is important to emphasize that this only applies to comprehensive coverage.
You will not benefit from this law if you only have the minimum required insurance. If you want to make sure you can replace your windshield at no out-of-pocket cost, make sure your policy includes comprehensive coverage.
how comprehensive windshield repair coverage works
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Comprehensive coverage is insurance that covers damage to your vehicle that is not caused by a collision with another vehicle.
For example, if your vehicle is hit by a falling tree branch during one of Florida’s frequent storms, that would fall under your comprehensive coverage.
This coverage also protects your vehicle against the following:
- hail damage
- animal collisions
- falling debris
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If you opt for comprehensive coverage in your insurance plan, you’ll have the added benefit of florida windshield replacement insurance. Your insurer cannot legally charge a deductible for windshield repairs if you have comprehensive coverage.
So if you have a damaged windshield and the right insurance coverage, there’s no reason to risk a traffic stop and ticket when you can replace it for free through your insurance policy.
what is florida’s minimum auto insurance requirement?
Florida’s minimum insurance requirements are $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL).
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While it may be tempting to keep your insurance levels at the minimum level to lower your insurance rates, by doing so you will lose additional coverage that could save you much more money than it saves on your rates.
This includes the possibility of free windshield repairs as provided by the Florida Windshield Repair Law.
all drivers in florida are required to have an auto insurance policy. Driving without insurance is against the law, and you could face fines and jail time if you are caught driving without insurance. Take a look at the average auto insurance costs in Florida in the table below.
florida windshield replacement laws make your coverage selections more important
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It is always important to choose the right insurance policy. you want to get the best rates possible, but you also want to make sure you are sufficiently covered when an accident occurs.
This balancing act can make it difficult to choose, so it’s important to shop around and get quotes from multiple insurance companies before making a decision.
If you live in Florida, you’ll also want to consider the additional benefits you’ll get by making sure you have comprehensive coverage on your policy. You may have a chance to get a free windshield replacement in Florida. The no-deductible windshield replacement law for insurance companies is something few states have, so it’s worth considering when choosing an insurance policy.
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want to buy windshield replacement insurance in florida? Be sure to compare Florida windshield replacement insurance rates right here to find the best coverage at the best rate. enter your zip code below to get started and find quality florida windshield repair.