In Florida, insurance companies are not permitted to charge a deductible for windshield repair. Some Floridians may be eligible for free Windshield Glass Replacement following a storm, vandalism, or vehicle accident.
This benefit is only available to policies with comprehensive and integrated additional coverage. Drivers in Florida who don’t have these coverages will not gain this advantage.
The law of Florida allows drivers to choose from a variety of coverage choices. Here are some facts about different insurance plan alternatives and how to get free windshield repairs in the Sunshine State.
Florida Auto Insurance
Florida uses a no-fault insurance system. The Florida legislature requires every registered vehicle to carry personal injury protection (PIP) and property damage liability (PDL) policy.
When you get into an accident, your auto insurance pays for your injuries using your PIP coverage — regardless of who is to blame. If another motorist caused the collision and damaged your vehicle, the driver responsible for the accident’s insurer will pay for the repairs using their PDL coverage.
Florida law requires that drivers be covered by $10,000 in personal injury liability insurance. This is not nearly enough to cover most automobile repairs. Comprehensive, collision and combined additional coverage (CAC) are offered by your insurance provider to expand the coverage on your vehicle. These protections pay for damage done to your car. They do not compensate you for the harm you do to other cars.
CAC
If you have a CAC policy, your insurance will reimburse you for all repairs to your car caused by anything other than fire, theft, or collision. If a hurricane damages your automobile, for example, CAC will cover the expenses of repairing it.
Comprehensive
Covers everything but a collision and includes comprehensive coverage for your car’s destruction caused by anything other than a road accident. This includes theft, vandalization, natural disasters, fire, or any other type of damage.
Collision
Auto collision coverage is similar to comprehensive insurance in that it pays for all the benefits that comprehensive insurance does not. Collision coverage will cover the cost of repairing your car due to a motor vehicle accident. It will also pay for the damage in a single-car collision with a guardrail, streetlight, or other immobile objects. If you want collision coverage, you must buy comprehensive coverage as well.
Insurance Coverage for Auto Windshield Glass Replacement
Two things will determine the conditions under which the automobile insurance covers windshield repair or replacement.
Cause of the Damage
Criminal activities, such as theft, can jeopardize a windshield’s structural integrity. A thief may smash your window to steal anything from your car, for example.
The windshield might have debris thrown at it by a natural calamity, such as a tropical storm or hurricane.. A wildfire can also wreak havoc on trees, one of which might fall and strike your windshield.
Your Coverage
Let’s assume that you damage your windshield after colliding with an electric pole. The insurer would not be required to pay for windshield repairs caused by a collision if you have full coverage.
No Cost Windshield Repairs
Under Florida’s legislation, insurance companies cannot impose a deductible on comprehensive coverage or CAC policies for windshield repairs. As a result, drivers may get complimentary car glass repairs for damage caused by anything other than an accident.
Who Pays for Windshield Glass Replacement after an accident?
If you have collision coverage, the auto insurance company will pay for windshield repairs after a vehicle accident. You will still need to meet your deductible even if you have collision coverage.
Unless someone else causes the accident, you will have to pay the full cost of your windscreen repair if you don’t have collision coverage. You might be able to submit a claim under the at-fault driver’s PDL coverage in that circumstance.
What to look for in a windshield glass replacement company?
When searching for a windshield glass replacement company, it is important to find one that has the experience and a good reputation. You should also make sure that the company uses high-quality materials and has a warranty for its work.
Furthermore, it is important to find a company that offers free estimates so you can compare prices.
Bond Auto Glass is the best choice for windshield glass replacement in Florida because of our experience, reputation, and high-quality materials. We also offer a warranty on our workmanship so you can be confident in our services. In addition, we provide free estimates so you can compare prices and choose the best option for your needs.
