One significant advantage for drivers in Florida is Florida Statute §627.7288, a law that allows individuals with comprehensive auto insurance coverage to get their damaged windshields replaced or repaired at no cost. This means if you have comprehensive coverage, you are entitled to a free windshield replacement or repair, saving you potentially hundreds of dollars out-of-pocket. Given Florida’s busy roads and highways, and the common occurrence of flying debris, understanding this program is crucial for every driver in the Sunshine State.
What is the Florida Free Windshield Replacement Program?
The Florida free windshield replacement program is mandated by Florida Statute §627.7288. This statute stipulates that if you have comprehensive insurance coverage on your vehicle in Florida, your insurance policy must cover the full cost of windshield repair or replacement without any deductible. This means you will not have to pay anything out of pocket to fix your windshield if it’s damaged by something other than a collision with another vehicle. Combined additional coverage policies also qualify for this benefit. Unfortunately, many Florida drivers are unaware of this valuable benefit until they are informed by their insurance company or an auto repair shop.
What Does Comprehensive Insurance Cover?
Comprehensive insurance is designed to protect your vehicle from damage that is not caused by a collision. It covers a wide range of incidents, including:
- Falling Objects: Damage from trees, branches, or other falling debris.
- Vandalism: Intentional damage to your vehicle, including broken windows.
- Road Debris: Damage caused by rocks, gravel, or other debris kicked up from the road.
- Fire: Damage to your vehicle from a fire.
- Animal Damage: Damage caused by animals, such as hitting a deer or rodent damage.
- Riots and Civil Commotion: Damage resulting from riots or civil unrest.
Importantly, under Florida law, when it comes to windshield damage covered by comprehensive insurance, policyholders are not required to pay a deductible. This is a unique benefit in Florida, designed to encourage drivers to maintain safe driving conditions by addressing windshield damage promptly.
Why Florida Mandates Free Windshield Repair
Florida law mandates free windshield repair and replacement for several important reasons centered around safety and public interest.
Firstly, a damaged windshield can significantly compromise driver and passenger safety. A crack or chip can obstruct the driver’s vision, increasing the risk of accidents. Furthermore, a damaged windshield is structurally weaker and could shatter in an accident, offering less protection.
Secondly, damaged windshields can pose a hazard to other drivers. Shattered glass on the roadway can create dangerous driving conditions and potentially lead to accidents.
Thirdly, driving with a cracked or broken windshield is against the law in Florida and can result in a traffic ticket. Law enforcement can ticket drivers for operating a vehicle with impaired visibility due to windshield damage.
By removing the financial barrier of windshield replacement costs for drivers with comprehensive insurance, Florida law encourages drivers to address windshield damage immediately. This proactive approach enhances road safety for everyone.
How to Take Advantage of the Program
Taking advantage of the Florida free windshield replacement program is a straightforward process:
- Assess the Damage: If you notice a crack or chip in your windshield, determine if it requires repair or replacement. Generally, smaller chips and cracks can be repaired, while larger or more extensive damage necessitates replacement.
- Contact Your Insurance Provider: Reach out to your auto insurance company and inform them about the windshield damage. They will confirm your comprehensive coverage and explain the process for filing a claim.
- Arrange for Repair or Replacement: Your insurer will typically guide you to approved auto glass repair shops or allow you to choose your own. Schedule an appointment for the windshield repair or replacement.
- No Out-of-Pocket Cost: As long as you have comprehensive coverage, you should not have to pay anything for the service. The repair shop will bill your insurance company directly.
If you are unsure about your coverage or the process, contacting your insurance agent is the best first step. They can provide specific details about your policy and guide you through the windshield replacement program. Maintaining a clear and undamaged windshield is not only a matter of safety but also a right for Florida drivers with comprehensive insurance, thanks to this beneficial program.
