Driving with any type of windshield or glass damage could be dangerous and should be fixed as soon as possible. Broken glass is usually handled under your Comprehensive Physical Damage Coverage, which is usually subject to a deductible. However, in Florida, all drivers who have comprehensive coverage are not responsible for paying any deductibles to pay for repair services for damage to the windshield of their vehicle. All vehicles with Florida-based comprehensive coverage insurance are eligible for no-cost replacements under Florida Law.
If you have comprehensive coverage, you must be covered for auto glass repair, including full windshield replacement. At Progressive, if your glass can be repaired rather than replaced, you won't have to pay anything in most cases. And, of the 50 states, only Florida, Arizona, Connecticut, Kentucky, Massachusetts, New York, and South Carolina waive the auto insurance deductible for windshield repair or replacement. Some states offer free windshield replacement by law as long as you have the required comprehensive coverage.
However, this type of coverage is something that needs to be clarified in case you ever need to replace the windshield. Liability insurance only covers windshield replacement if someone else caused damage to your car. After you make your windshield insurance claim, the next step is to find the right parts and a company to do the replacement. In some states, the law says you can get a free windshield replacement as long as you have the necessary comprehensive coverage.
If your windshield has been damaged in Florida, your comprehensive insurance policy will pay to repair the windshield free of charge without you having to pay the deductible. If your windshield cracks during an accident that was your fault, your insurance will repair or replace it if you have collision coverage. Auto insurance covers windshield damage and replacement in most cases through comprehensive insurance Kentucky and Arizona go beyond windshield replacement and include other items, such as lights and safety glass on your vehicle, under their zero-deductible laws. If you want to make sure you can replace your windshield without out-of-pocket costs, make sure your policy includes comprehensive coverage.
While windshield replacement without a deductible can be offered with comprehensive coverage, it is not a law. The no-deductible windshield replacement law for insurance companies is something that few states have, so it's worth considering when choosing an insurance policy. You may be doing the process with another company, such as GEICO, AAA, Progressive, or USAA, for windshield replacement. This includes the possibility of free windshield repairs as required by Florida windshield repair law.