Our most common Clearwater, FL customer concern is if insurance will pay for the cost of repairing or replacing a damaged windshield. Fortunately, Florida laws have made this process simple and straightforward whether you have an annoying chip in your line of sight or a dangerous spider web crack stretching across the glass. The type of auto coverage that you hold determines if your insurance policy will cover the cost of fixing the cracked windshield.
Free Repairs with Comprehensive Coverage
Florida is among a small group of states that prohibit insurance companies from charging a deductible for a damaged windshield claim. You must carry comprehensive coverage to get a free windshield glass replacement or repair. This deductible waiver only applies to the front windshield, so you will be responsible for paying the insurance deductible to repair the rear and side windows.
Windshield claims are not covered by Personal Injury Protection (PIP) and Property Damage Liability (PDL), which is the minimum auto insurance coverage required by Florida law. So you are responsible for paying the entire bill, if that is your only insurance coverage.
Florida Gives Customers Right to Choose
Under the comprehensive coverage claim, Florida residents also have the power to choose their own repair provider rather than being locked into a company chosen by the insurance carrier. This freedom allows you to work with reputable shops in your neighborhood. Mr. Auto Glass serves the entire Tampa Bay area including, Tampa, St. Petersburg, Clearwater, Sarasota and Lakeland, FL.
One important detail is that original equipment manufacturer (OEM) windshields are not required during glass replacements. This makes it especially important to find a professional technician who installs windshield glass that offers the same high quality, performance and fit as the original.
Discover how Mr. Auto Glass is using the latest technological advancements in the glass repair industry. We even work directly with Florida insurance companies to help you with the paperwork and payment arrangements, so that all you need to do is request an appointment.