Florida Windshield Replacement – Full Auto Insurance Coverage

Does Insurance Cover Florida Windshield Replacement?

The windshield is covered along with your collision and comprehensive and full auto coverage.

Florida Windshield Replacement
Florida Windshield Replacement
  • Whether a window or a windshield, broken glass falls under the comprehensive physical damage part of the full coverage auto insurance
  • Before broken glass, repair or Florida Windshield replacement covered in many cases, your policy requires you to pay a deductible
  • While insurance funds your repair a deductible amount is something that you owe out of your own pocket
  • Determine your car insurance deductible before you get coverage. Deductibles can range anywhere from $250 to $1000

Costs of Windshield Repairs in Florida

  • Windshield repairs, if you decide to pay out of your own pocket could cost you between $10 and $325
  • But then again, this also depends upon the degree and extent of damage
  • A complete windshield repair could be around $325 but a small chip on the glass could be around $60.

Considerations with Windshield Damages in Florida

  • When you apply for a claim for your windshield, with some companies, the amount appears in the CLUE report
  • This can have an effect on up to 5 years of premium
  • Replace your windshield and file a claim in the event of severe damages
  • Search for the cheapest insurance option that you can get to pay out of your own pocket
  • Primarily, major damage to the front of your windshield is a safety issue
  • Address the need instantly

Cracked Windshield Laws in Florida

  • A damaged or cracked windshield doesn’t have any mention in the law books of Florida
  • At the same time, driving with a chipped, damaged or broken windshield can be illegal according to other relevant and issued regulations
  • Any type of signs, stickers or coverings not allowed on windshields in the state
  • The above, with the exception of those mandatory and stipulated by law such as toll payment devices, GPS devices, so on and so forth
  • This, particularly because the driver’s view of the road should not be obstructed as a result of these items or devices
  • Windshield wipers should remain fully functional in all vehicles
  • In case your damaged windshield interferes with the normal operation of the wipers, they attract legal citations
  • If chips and cracks on the windshield are smaller than a ¾ inch in diameter, the federal regulations of the state permit it
  • Additionally, they should be within 3 inches of another crack
  • However, none of these chips and cracks should be directly located in front of the driver’s view or on top of the steering wheel up to the windshield’s top edge
  • Generally, it is left up to a police officer’s discretion particularly due to lack of clear rules and regulations for cracked windshields
  • You may have to pay a fine, repair or replace your windshield and other cracked windows unless these malignancies are on the passenger’s side

Tinted Windows

  • Window tints allowed in Florida but come with some compliance and regulations
  • Non-reflective tint must be used, and the AS-1 line can only be tinted – this is provided by the manufacturer
  • Mirrored tints as well reflective tints disallowed
  • If you have installed any aftermarket tint, then a sticker to that effect has to be affixed on the door of the driver’s side – This would also identify the legality of the tint

Other Regulations – Florida Windshield Replacement

  • Signs, posters and other non-transparent materials permitted provided visibility not obstructed as per Obstructed Windshield Regulations
  • Replace your windshields with the same glass and quality to restore the vehicle to its original state according to replacement laws
  • The windshield wiper should always be in good working conditions and inoperable windshield wipers are unacceptable as per state regulations
  • Free windshield repairs are available with your comprehensive insurance. You may also receive a replacement with no deductibles charged


  • Vehicles used for grove farming in Florida, are exempt from the above rules
  • However, a windscreen protects against winds, rain and insects
  • Military vehicles that are old are exempt – but if you use them on a public road or a highway, the driver and the passengers must imperatively wear eye protection approved by the Department of Motor Vehicles in the state

For more information about Florida Windshield Replacement, Call our agents for a consultation @ +1-877-992-1430

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