While your insurance company may through its own internal guidelines allow your comprehensive deductible be waived for a claim against your rear glass, Florida state law does not require them to do so.

As the Florida insurance regulator, FL Department of Financial Services, notes on their site, your insurance company will not assess your deductible to replace your front windshield. Florida law requires this waiver in order to encourage drivers to replace cracked or broken windshields immediately to avoid a major driving hazard.The front view of a driver being obstructed by cracks or breakage is viewed as more dangerous for a driver to have then damage to a rear window.

The wording of the Florida Statute, 627.7288, reiterates what the state's insurance regulator notes by the law saying that the deductible is waived only for windshield glass. The basics of this statute states that the deductible provisions of any Florida motor vehicle insurance policy, providing comprehensive or combined additional coverage, shall not be applicable to damage to the windshield of any motor vehicle covered under such policy.

Current Florida statute states: Comprehensive coverage; deductible not to apply to motor vehicle glass.--The deductible provisions of any policy of motor vehicle insurance, delivered or issued in this state by an authorized insurer, providing comprehensive coverage or combined additional coverage shall not be applicable to damage to the windshield of any motor vehicle covered under such policy.

If you interpret the Florida Statute to apply to more than just the front windshield of a vehicle you can discuss this with the insurance consumer division of the FL Department of Financial Services and/or your insurance agent.