Does Insurance Cover Windshield Replacement in Florida?

Updated July 14, 2026

Short answer: If you carry comprehensive auto insurance, Florida Statute 627.7288 requires your insurer to waive the deductible specifically for windshield replacement — meaning no cost to you out of pocket for the windshield itself, beyond what you already pay in premiums. This applies only to windshields, and only if you carry comprehensive coverage.

The Florida law, in plain terms

Florida Statute § 627.7288 requires that any auto insurance policy providing comprehensive coverage must cover windshield repair or replacement without charging a deductible. This is sometimes referred to informally as Florida's "no-deductible windshield law." It's worth being precise about what it does and doesn't do:

It applies to windshields only — not side windows, rear windows, or sunroofs.
It only applies if you carry comprehensive coverage. Liability-only policies are not covered by this statute.
You're still paying for comprehensive coverage as part of your premium — the law waives the deductible, it doesn't eliminate the underlying cost of your policy.

How to check your own policy

The best way to know exactly what you're covered for is to call your insurance provider or check your policy declarations page for "comprehensive coverage" and any glass-specific deductible language. We're happy to help you sort through this when you request a quote, but your insurer is the authoritative source on your specific policy terms.

What the claims process looks like

If you'd like, we can work directly with your insurance provider to handle the claim on your behalf — you can request this on our quote form. Generally this means we verify your coverage, coordinate the paperwork with your insurer, and complete the replacement, so you're not stuck being the go-between.

Frequently asked questions

Does Florida law require insurance to cover windshield replacement at no cost?

Florida Statute 627.7288 requires insurers to waive the deductible for windshield replacement specifically, but only for policyholders who carry comprehensive coverage. It does not apply to side or rear windows, and it does not apply if you only carry liability coverage.

Do I need comprehensive coverage for this to apply?

Yes. If your policy only includes liability and PIP (personal injury protection), the no-deductible windshield law does not apply to you, and you would typically pay out of pocket for windshield repair or replacement.

Will my insurance rates go up if I file a windshield claim in Florida?

This varies by insurer and policy, and it's a question worth asking your insurance company directly, since we don't set or control insurance pricing. Many comprehensive claims, including glass claims, are treated differently from at-fault accident claims, but you should confirm this with your provider.

Can Optic-Kleer help me file the insurance claim?

Yes. If you'd like help, we can work directly with your insurance provider to make the claims process straightforward. You can request this when you fill out a quote request.

This page is general information, not legal or insurance advice. Confirm your specific coverage, deductible, and rate impact directly with your insurance provider.

Want us to check your coverage with you?

Request a quote and let us know you'd like help navigating your insurance claim — we'll walk you through it.

Get a Free Quote