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QuestionInsurance Question  I live in Florida and my rear window was smashed in at my house. Do I have to pay the deductible?

AnswerAuto Insurance Answer

The wording of the Florida Statute, 627.7288, appears to say 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.

It seems from reading the Florida Statute at that it would apply to only the windshield of the motor vehicle. For further interpretation contact the insurance consumer division of the FL Department of Financial Services.

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