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Q

I live in Florida and have a broken windshield that is non accident related, do I have to pay my insurance deductible to have my windshield replaced?


A

Broken windshields are typically covered under the comprehensive coverage portion of a car insurance policy. Some states allow for the normal deductible to be waived for windshield replacements. Florida is one of these states, according to FL statute 627.7288 the deductible shall not apply to windshield damages.

The answer then is no, you should not have to pay the deductible for the comprehensive coverage used to fix the windshield. If your insurance company requests you to pay the deductible, state this statute or contact the Florida Department of Financial Services. You would have to pay for the damage if you don't have physical damage coverage.


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6 Responses to "I live in Florida and have a broken windshield that is non accident related, do I have to pay my insurance deductible to have my windshield replaced?"
  1. Anonymous

    I also live in the state of Florida and was trying to determine if I had this coverage by reading my policy - I could not find the answer there. This answers my question perfectly! Thanks!

      Reply»  
  2. Anonymous

    Exactly what I needed to know. Thank you!!!

      Reply»  
  3. Anonymous

    clear and very helpful!

      Reply»  
  4. Anonymous

    exactly what i needed.

      Reply»  
  5. Anonymous

    answers the direct question with a direct answer. WOW.....simple words....understood easilly

      Reply»  
  6. Anonymous

    Thanks

      Reply»