Free windshield replacement is one of the key benefits of having the right car insurance in Florida. This law allows drivers to replace their damaged windshield without paying a deductible. In this article, we’ll explain how this benefit works and what steps you need to follow to make sure you take full advantage of it.

1. Why is car insurance important in Florida? Florida has strict car insurance requirements. To register a vehicle in the state, you must have PIP (Personal Injury Protection) and PDL (Property Damage Liability), which are the minimum coverages required for all vehicles with at least four wheels. These coverages are essential to protect yourself and others in the event of an accident.
   • PIP: PIP covers up to 80% of medical expenses from an accident, regardless of fault. This means that even if you’re the at-fault driver, your insurer will cover part of your medical bills.
   • PDL: This coverage is essential to cover damages you cause to another person’s property. If you accidentally damage another driver’s car or a public structure, this coverage will pay for the repair costs.
2. While these coverages are mandatory, many drivers choose additional insurance options to cover other risks. One of these additional benefits is windshield replacement coverage, which may be included in a full coverage insurance policy.
3. Free windshield replacement under the law: Florida law guarantees that drivers with the proper insurance can replace their windshield without paying a deductible. This coverage applies specifically to the front windshield and does not apply to other windows on the vehicle. It’s important to note that this law is designed to ensure drivers can keep their vehicles in safe condition without worrying about additional costs for windshield repairs.
   • What does this law cover?: The law covers the replacement of windshields damaged by debris on the road, stones kicked up by other vehicles, and, in some cases, vandalism. However, it does not cover damage to other vehicle windows, such as side or rear windows, in the same way.
4. Common cases where free windshield replacement applies:
   • Debris damage: windshields can easily be damaged by stones or debris on the road. If an object hits your windshield while driving, you can request a free replacement if your policy covers this.
   • Stone impacts: If a vehicle in front of you kicks up a stone that hits your windshield, this type of damage is also covered under the free replacement benefit.
   • Vandalism: If your windshield is damaged due to vandalism, such as being struck or scratched intentionally, this damage can also be covered by free windshield replacement.
5. Common mistakes to avoid when requesting a free windshield replacement:
   • Not checking your coverage: before requesting a replacement, make sure your policy includes the benefit for free windshield replacement. Not all policies automatically include this coverage.
   • Not using an authorized provider: It’s crucial that you use a windshield repair provider authorized by your insurance company. Otherwise, your claim might not be covered.
   • Not having the proper documentation: make sure you have all the required documentation, such as your policy number and proof of ownership, when you request the replacement.

Free windshield replacement is an excellent benefit for drivers with the right insurance coverage in Florida. Ensuring that you have the right policy and following the correct steps to request a replacement will allow you to maintain your vehicle’s safety and save money. If you have any questions about your coverage, don’t hesitate to contact your insurer to ensure you’re fully covered.