Florida’s windshield replacement laws have remained one of the most driver-friendly protections in the country. Florida Statute 627.7288 remains in full effect in 2026 and continues to ensure that drivers with comprehensive insurance receive windshield replacement at no out-of-pocket cost.
What Florida Statute 627.7288 Says
Under this law, insurance companies are required to waive the deductible for windshield replacement claims filed under comprehensive coverage. This means qualifying drivers pay $0 for a new windshield, including mobile installation, parts, and labor.
- Applies only to vehicles insured in the state of Florida
- Covers front windshield replacement under comprehensive insurance
- Insurance companies cannot charge a deductible
- Most policies qualify automatically
Why This Law Exists
Windshields are a major structural safety component of your vehicle. Cracks can interfere with visibility, weaken impact protection, and cause airbags to deploy incorrectly. Florida legislators created this statute to improve road safety and reduce accidents caused by obstructed views.
Do All Drivers Qualify?
Most drivers with comprehensive insurance qualify automatically. Collision-only policies do not cover glass. If you’re unsure, our team verifies coverage in minutes and walks you through the process.
- ✔ Comprehensive insurance = $0 windshield replacement
- ✔ No deductible
- ✔ No out-of-pocket cost
- ✔ Mobile service included
Recent Changes: The 2023 Glass Claim Reforms
The $0 deductible rule in s. 627.7288 has not changed. What did change is how glass claims are handled: under s. 627.7289, for policies issued or renewed on or after July 1, 2023, glass benefits can no longer be assigned to a repair shop, so the claim stays in the policyholder's name. Separately, s. 627.7291 says your insurer can't require you to use a particular glass company for your windshield.
These rules do not affect your right to a $0 windshield replacement — you simply open the claim with your insurer (we walk you through it) and choose the shop you want.
Why Replace a Cracked Windshield Quickly?
Florida’s heat, humidity, and road vibration can cause even small chips to spread across the glass. Delaying replacement can lead to visibility issues or failed adhesive bonding.
- Heat expands cracks rapidly
- Moisture weakens windshield structure
- Minor chips often become unsafe while driving
- ADAS-equipped vehicles require proper recalibration
How the $0 Replacement Process Works
We make the process simple, fast, and transparent. Our team handles your entire claim from start to finish to ensure everything complies with Florida law.
- Submit your info through our secure form
- We verify insurance coverage (usually within minutes)
- Schedule mobile installation at your home or work
- A technician replaces the windshield at your home or work
- You pay $0 out-of-pocket
It’s that simple — and it’s protected by state law.
Check If You Qualify for a $0 Windshield Replacement