The three free windshield replacement states are Florida, Kentucky, and South Carolina, which waive the car insurance deductible for windshield repair or replacement and so are referred to as having free windshield replacement or as zero deductible states.
Does windshield replacement count as a claim in Florida?
Under Florida law, windshield replacement claims cost nothing out of pocket for insured drivers, making it a lucrative opportunity for those looking to cheat insurance companies. … They replace the windshield, and there is a dispute between the windshield company and the insurance company that goes to litigation.
Does Florida offer free windshield replacement?
If you live in Florida and you have full coverage auto insurance and/or comprehensive coverage on your auto insurance policy, you qualify to have your windshield replaced for free!
Does Safelite waive deductible?
Many insurance companies cover windshield repair at 100% coverage with no deductible. A Safelite representative will be happy to help you with your questions regarding insurance coverage. Contact your agent and/or insurance provider or refer to your insurance policy to confirm your specific coverage.
What states waive glass deductible?
Three states — Florida, Kentucky, South Carolina — waive the deductible for windshield replacement and repairs as part of comprehensive coverage as mandated by state law because driving with a damaged windshield is dangerous. They are called “zero deductible” states.
Should I use insurance to replace windshield Florida?
In Florida car insurance companies must cover the costs of windshield repair by law (FL Statutes, Sec. 627.7288). If you have bare minimum auto insurance then you will have to pay for repairs or replacement yourself. If you have a comprehensive car insurance policy your insurer must pay for any windshield or repair.
Does filing a windshield claim increase insurance?
Will my insurance premium increase because of windshield claim? … You should not see your premium increase because of a claim used to replace a cracked windshield. However, high frequency of windshield claims may be taken into consideration by insurance companies as one of the factors in determining future premium.
How many times can you get your windshield replaced for free in Florida?
There’s no limit to how many replacements you get.
You ARE NOT limited to “one free windshield per year” as many people think. You are entitled to coverage and replacement WHENEVER you have damage no matter how often it occurs.
How much does it cost to replace a windshield in Florida?
How much does it cost to replace a windshield in the state of Florida? No matter the vehicle size, fully replacing a windshield will likely cost anywhere from $167.80 to $1646.34 in Florida, which takes into account the full spectrum of values we have in our database for all Florida quotes.
Does insurance cover cracked windshield in Florida?
Broken glass is generally 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 to pay any deductible in order to pay for services to repair damages to their vehicle’s windshield.
Should I use my insurance to fix my windshield?
If you need a new windshield and want your insurance to help ease your pane, your rates shouldn’t take a hit – if you have coverage. “That’s a comprehensive claim and it won’t cause your rates to increase,” says Anne Marie Thomas, senior manager of partner relationships for rate-comparison site Insurance Hotline.
What is $500 deductible with $0 glass deductible?
If you live in one of these states, that means that you might not pay anything out-of-pocket to have your windshield replaced. For example, in a zero deductible state, if your insurance deductible is $500 and you file a claim for a windshield replacement that will only cost $300, you might not have to pay anything.
How do I get my deductible waived?
Here are some scenarios that might allow your deductible to be waived:
- You have broad collision coverage. …
- You have purchased a car insurance deductible waiver. …
- The other driver is uninsured. …
- You need to repair a crack in your windshield or windows.
Does AAA replace windshields for free?
Yes, AAA will pay for windshield replacement or repair services for customers who have comprehensive coverage, though a deductible will apply unless state laws or policy details say otherwise. Comprehensive insurance from AAA covers windshields damaged by weather, vandalism and theft, among other things.
Do I have to pay deductible for windshield replacement?
Although repairs to the windshield are free, windshield replacements are not and will require policyholders to pay their deductible in most states. Glass damage from a car accident is paid under different coverage.
Is it illegal to drive with a cracked windshield?
To ensure the safety of everyone on the roads, it is illegal to drive with shattered glass or glass that has sharp edges exposed. Drivers cannot operate vehicles if the windshield has any crack or discoloration that obstructs or interferes with their ability to see clearly.