Free windshield repairs Under Florida law, insurers cannot charge a deductible for windshield repairs under comprehensive coverage or CAC policies. This means you can probably get free windshield repairs for damage caused by anything except a collision. States that currently have these statutes on the books include Florida, South Carolina, and Kentucky. In Florida, all drivers who have comprehensive insurance coverage on their vehicles are eligible for free windshield replacement.
Many of the state's auto body shops advertise this service, and some even offer products to attract more customers. All vehicles with Florida-based comprehensive coverage insurance are eligible for no-cost replacements under Florida Law. Drivers who have exclusive collision coverage can still recover the cost of replacing a damaged windshield during an accident that was determined not to be at fault. If you opt for comprehensive coverage under your insurance plan, you'll have the added benefit of Florida windshield replacement insurance.
If you have additional combined coverage or comprehensive auto insurance coverage, your insurance company cannot charge you a deductible for windshield repair or replacement. In Kentucky and South Carolina, drivers must have comprehensive insurance coverage to also receive the free windshield replacement benefit. Florida, Kentucky and South Carolina are the only three states that require free windshield replacement with appropriate insurance coverage. Since windshield replacement customers don't have to pay for work out of pocket, they're more likely to order windshield replacement preventively.
Therefore, the statute ensures that drivers have no economic reason not to repair or replace damaged windshields. Windshields on older vehicles may also be more expensive to replace, as their original parts may be difficult to find. This includes the possibility of free windshield repairs as required by Florida windshield repair law. Auto insurance providers in these states cannot require policyholders to use their deductibles to pay the cost of windshield repair or replacement.
Since the deductible value of most policies exceeds that of typical windshield replacement work, these rules can save policyholders hundreds of dollars over the life of their policies. 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. However, many drivers postpone repairing a windshield because of the prohibitive cost of repair or replacement.
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