Florida is known for its sunshine, beaches, and unfortunately, its fair share of cracked windshields. But did you know that the Sunshine State might owe you a florida free windshield replacement? It’s true! Understanding florida law windshield replacement free can save you a significant amount of money and hassle.
Understanding Florida’s Windshield Law
Florida Statute 627.7288 focuses on Motor Vehicle Windshields; replacement – Certain insurance deductibles waived. This law is designed to protect drivers from financial burdens associated with windshield damage that is often out of their control. Here’s a breakdown of the key points:
- No Deductible: If you have comprehensive coverage on your auto insurance policy, you are likely entitled to a free windshield replacement or repair in Florida. This means your insurance company must waive the deductible for windshield damage.
- Comprehensive Coverage is Key: It’s crucial to note that this law only applies to drivers with comprehensive coverage. If you only have liability insurance, this law will not apply.
- Cracks, Chips, and Stars: The law covers damage typically caused by road debris, such as cracks, chips, and starbursts.
- Repair or Replace? In many cases, minor damage can be repaired, and your insurance company cannot force you to replace the entire windshield if a repair is a viable option.
Who Qualifies for Free Windshield Replacement in Florida?
While the law is designed to be comprehensive, there are some specific requirements for eligibility:
- Valid Florida Driver’s License: You must possess a valid Florida driver’s license.
- Registered Vehicle: Your vehicle must be registered in the state of Florida.
- Comprehensive Coverage: Your auto insurance policy must include comprehensive coverage.
How to Get Your Free Windshield Replacement
If you meet the requirements, here’s what to do:
- Contact Your Insurance Company: The first step is to contact your insurance company and inform them about the damage.
- Provide Documentation: Be prepared to provide necessary documentation, such as photos of the damage and your insurance policy information.
- Schedule an Appointment: Your insurance company will likely have a network of approved repair shops. They will help you schedule an appointment for the repair or replacement.
Common Questions about Florida’s Windshield Law
Q: Does the law apply to leased vehicles?
A: Yes, as long as the vehicle is registered in Florida and you have comprehensive coverage, the law applies to leased vehicles as well.
Q: Can my insurance company raise my rates after a windshield replacement?
A: In Florida, your insurance company cannot increase your rates solely due to a windshield claim, especially if it was a “no-fault” incident.
Q: What if my insurance company denies my claim?
A: If your claim is denied, don’t hesitate to contact the Florida Department of Insurance. They can provide guidance and assistance.
Know Your Rights and Drive Safely
Cracked windshield florida free replacements are a valuable benefit provided by florida law windshield replacement free. By understanding your rights and the process, you can protect yourself financially and ensure your safety on the road. Remember to always drive cautiously and maintain comprehensive coverage on your auto insurance policy.
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