Is There a Deductible For Windshield Replacement in Florida?

Car insurance providers generally offer zero or low deductible options for glass coverage under comprehensive auto policies, with Florida being one of a few states with laws mandating insurers waive your comprehensive deductible when it comes to windshield repair and replacement.

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Cracked or broken windshields can be hazardous when driving, so it is imperative that they are repaired as soon as possible.

What is a deductible?

A deductible is the amount that must be paid before your insurance provider begins covering claims on your vehicle. Therefore, comprehensive car insurance is so essential; having this kind of protection covers any damage to your car including cracks or shattered windshields that might occur from collisions.

Florida, Kentucky and South Carolina are considered "zero-deductible" states; all comprehensive insurance policies must waive their deductible for glass repair and replacement services. Furthermore, certain companies offer full glass coverage which allows drivers to select a $0 deductible option when it comes to windshield repair and replacement costs.

When searching for auto glass shops to repair or replace your windshield, it is crucial that they use certified technicians using OEM glass and quality products from OEM. Mr. Auto Glass in Tampa offers just such certified technicians; our licensed staff works directly with insurance providers to make the process as smooth as possible.

What type of damage is covered by a deductible?

Deductible coverage depends on the nature and extent of your insurance coverage. Most car policies include comprehensive coverage to pay for damage not caused by accidents such as theft, vandalism and natural disasters.

If your windshield has been damaged, a repair shop can assess whether or not the damage qualifies for insurance coverage and file a claim with your insurer to cover its cost. Once paid, take your car to a network shop of your insurance provider so the glass repair/replacement can take place as scheduled.

Some states and auto insurers offer full glass coverage, which waives your comprehensive deductible for windshield repair or replacements. If your comprehensive policy provides this option, this may be worth exploring further.

How much does a deductible cost?

A deductible is the initial out-of-pocket expense you must cover before your insurance policy covers repairs to your vehicle. Replacing a cracked windshield could be costly; moreover, if pulled over with one in place you could even receive a ticket! Luckily Florida law prevents car insurers from charging deductibles on glass repairs or replacement for drivers with comprehensive coverage.

Though Florida motorists reap this benefit to an extent, drivers in other states still must pay a deductible as comprehensive coverage only covers damage from non-collision incidents. Therefore, drivers in these other states should ensure their insurer offers full glass coverage or zero deductible options for glass repair and replacements; additionally they should always compare quotes from various shops to ensure they get the best value deal.

Can I get a windshield replaced with a deductible?

Cracked or chipped windshields are both unsightly and hazardous to drivers' safety, which is why Florida law protects vehicle owners by offering comprehensive car insurance policies with free windshield repair or replacement coverage as an option. Please note this only applies for comprehensive coverage plans – minimum required liability policies do not qualify.

As well as state laws, many insurance companies offer full glass coverage or zero deductible options for windshield repair and replacement as part of comprehensive car insurance policies that cover damages other than collision. This option often works out cheaper than having a higher collision deductible.

Keep in mind that your deductible directly correlates with the annual premium. Therefore, it's essential that you can afford your deductible before filing a claim for windshield repair or replacement; otherwise you may want to raise it so as to lower your annual premiums.