Do I have the right insurance and how does it work?

One of the most commonly asked questions about insurance auto glass claim services in Florida is whether auto glass repairs or replacements are fully covered by your auto insurance coverage. You may have heard someone mention before that Florida law allows for insurance auto glass claim services to be performed for free. Although there is some truth to that, Lloyds of Shelton Auto Glass would like to bring to light all obscurities, so that you may make an entirely educated decision while filing an insurance auto glass claim.

What is the Florida law and what does it cover?

Florida Statute 627.7288 labeled “Comprehensive coverage; deductible not to apply to motor vehicle glass” under the title “Insurance Rates and Contracts,” states that the deductible provision “shall not be applicable to damage to the windshield of any motor vehicle.” This may be a bit hard to understand, but to put it simply: Customers who have Comprehensive Coverage in the state of Florida are not liable to pay any deductible amount in order to pay for services to repair damages to their vehicle’s windshield.

The majority of insurance policyholders have a deductible in their Comprehensive Coverage that they must meet before their policy pays for benefits. If their deductible is $500 or $1,000, this is the amount they would have to pay first, before their insurance company would pay for vehicle damages. However, with the Florida Statute above in effect, policyholders do not have to cover their deductibles in order to fix their auto’s windshield. Please note that this “Deductible Waiver,” as it is called, does not apply to any other glass on your vehicle, such as door glass and back glass.

Insurance Auto Glass Claims for Windshield Only Damage:

If the only damaged part to your vehicle is your windshield, the Florida Statute described above ensures that, regardless of your Comprehensive Deductible, you do not have to pay any out-of-pocket amounts to get your windshield repaired or replaced. Any cost associated with performing repairs to your windshield will be fully absorbed by your insurance company.