Question: I live in the state of Florida. Is all auto glass covered under the comprehensive coverage of my policy?
Answer: Yes, auto glass would be covered under the comprehensive portion of your Florida auto insurance policy.
Comprehensive insurance covers your vehicle, and other vehicles (in limited scenarios) you may be driving, for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. Your vehicle's glass breakage and damage done due to vandalism are also covered under comprehensive coverage. It pays to fix your vehicle less the deductible you choose.
However, some glass breakage claims the deductible is waived in Florida. 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 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.
In Florida, your front windshield being replaced or repaired using your comprehensive coverage would mean that your deductible would be waived. Your comprehensive coverage also covers other glass on your vehicle, such as your side window and back window. However, your deductible amount is due for claims regarding these other areas of glass on your car.