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.