Florida law requires insurance companies to waive the deductible for windshield repair and replacement under comprehensive coverage. This means most Florida drivers qualify for a $0 windshield replacement.
Quick answer: Yes — for most Florida drivers, windshield replacement is free. Florida Statute 627.7288 says the deductible on an auto policy with comprehensive coverage does not apply to windshield damage. If you carry comprehensive coverage, you typically pay $0 to repair or replace your windshield.
“The deductible provisions of any policy of motor vehicle insurance, delivered or issued in this state by an authorized insurer, providing comprehensive coverage or combined additional coverage shall not be applicable to damage to the windshield of any motor vehicle covered under such policy.” — Florida Statutes § 627.7288
Florida Statute 627.7288 states that insurance providers must waive the deductible for windshield repair or replacement if the driver carries comprehensive coverage. This consumer protection policy ensures Florida residents can maintain safe visibility on the road without financial burden.
The Florida legislature recognizes that windshield damage is both common and dangerous — especially with modern ADAS systems connected to the glass. This statute ensures motorists can replace damaged windshields without delay or financial hardship.
The $0 deductible rule hasn't changed, but Florida's 2023 glass reforms (Chapter 2023-136, SB 1002) changed how claims are handled:
In practice, you open the claim with your insurer — we walk you through it, usually in one short call — and then choose who replaces your windshield. See our Florida service areas to find mobile service near you.
For most drivers, yes. Florida Statute 627.7288 says the deductible on an auto policy with comprehensive coverage does not apply to windshield damage, so drivers with comprehensive coverage typically pay $0 to repair or replace their windshield.
No. Section 627.7288 applies to the windshield. Side windows, rear glass and sunroofs are covered under your regular comprehensive coverage, subject to your normal deductible.
No. The deductible waiver applies to policies with comprehensive (or combined additional) coverage. Liability-only policies don't include glass coverage.
No. Under Florida Statute 627.7291, insurers can't require you to use a particular company or location for windshield replacement, repair or calibration.
Not for policies issued or renewed on or after July 1, 2023. Florida Statute 627.7289 prohibits assigning post-loss glass benefits, so the claim stays in your name. A reputable shop will walk you through opening the claim with your insurer.
Windshield claims are comprehensive, no-fault claims and usually don't affect rates the way at-fault accidents can. Florida law doesn't specifically prohibit insurers from considering claim history, so ask your agent if you're concerned.
Disclaimer: MyFreeWindshield.com and Dominus Mundi Group Inc. are not attorneys and do not provide legal advice. This page is for educational purposes and summarizes publicly available information about Florida Statute 627.7288.
