dcsimg
Call Us Toll Free: 1-855-430-7753

Q&A

See if your question's been answered
Looking for more answers? Find advice to
commonly asked questions from our team
of insurance experts.

Q

I live in Florida and I have a cracked front windshield. The insurance coverage I have is only basic PIP. Will my windshield be covered by my insurance company?


A

If you only have the state minimum required insurance for Florida, which is PIP (personal injury protection) and property damage liability (PD) then your windshield would not be covered by these insurance coverages.

Glass breakage as well as repair or replacement of a windshield is usually covered by comprehensive insurance coverage which is a type of physical damage coverage. In Florida when you have this type of policy (or collision) the deductible is waived when the front windshield is being replace due to damage, such as it being cracked.

Florida Statute 627.7288 states that the deductible shall not apply to windshield damages. However, you must have either comprehensive or collision coverage. A policy that provides liability coverage only will not cover your windshield.


Categories:

Add Comment

Leave a Comment
 
 
 
1 Responses to "I live in Florida and I have a cracked front windshield. The insurance coverage I have is only basic PIP. Will my windshield be covered by my insurance company?"
  1. Anonymous

    This was a quick easy way to get my answer. Although, it is not the answer I would have liked at least it is a very detailed answer. Thanks, Dave

      Reply»