glassy blog post
Basics | Insurance

How to Get Your Windshield Replaced for Free in Florida

Kent Lansing
Jan 20, 2021
Known for Disneyland, beaches, and making headlines for outrageous events, Florida is most famous to us at Glassy for their zero-deductible windshield replacement. The federal government sets some laws and regulations regarding windshield replacement and vehicles in general. The vast majority of them are left for the individual states to decide. While most places don’t dictate how insurance companies must handle windshield repairs and replacements, Florida is one of the five states referred to as a “zero-deductible state.”

What is a Zero Deductible State?

When purchasing a comprehensive auto policy, there is always an accompanying ‘deductible.’ (To learn more about deductibles, click here). However, states with zero-deductible windshield, such as Florida, require insurance companies to waive the deductible on windshield replacements. While these mandates in Massachusetts and Florida exclusively cover windshields, other states like South Carolina and Kentucky must cover all automobile glass.
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What if I don’t have comprehensive coverage?

According to the Florida State Statute, this deductible provision applies only to those with comprehensive coverage. This means that for those with state-minimum or only collision coverage, this legislation would not apply.

What if I don’t live in a zero-deductible state?

Despite many states not requiring insurance companies to waive deductibles for windshield replacements or repair, some have implemented them anyway. For Geico’s comprehensive policyholders, chips smaller than a quarter or cracks smaller than a dollar bill can be repaired for free with no deductible. This list has continued to grow over the years, as windshield replacements continue to rise in price, and fixing damage early can save a big headache and a large chunk of change. If you are unsure whether this applies to you, reach out to your insurance agent. Regardless of your auto policy, it can be costly and dangerous not to repair your windshield if it has suffered damage. Use our instant quote tool to connect with one of our preferred providers and get back on the road safely today.