As an expert in the field of insurance and auto repairs, I have encountered many misconceptions and misunderstandings when it comes to windshield replacement. One of the most common questions I receive is about which states require free windshield replacement. The answer is not as simple as one might think, as it varies from state to state. In this article, I will break down the laws and regulations surrounding free windshield replacement and provide you with all the information you need to know. There are currently three states in the United States that have laws requiring insurance companies to waive the deductible for windshield replacement or repair: Florida, Kentucky, and South Carolina.
This means that if you have comprehensive coverage and meet all other requirements, you will not have to pay anything out of pocket for a windshield replacement. These states are also known as zero-deductible states. In Florida, the zero deductible requirement is outlined in sections 627 and 7288 of Florida Law. This means that those with comprehensive coverage can replace their windshield without having to pay a deductible. However, it's important to note that this only applies to windshields.
Any other glass in your car, such as windows or mirrors, will still be subject to the deductible you chose for your comprehensive coverage. Similarly, in Kentucky and South Carolina, insurance companies cannot charge a deductible for windshield repairs or replacements if you have comprehensive coverage. This is great news for drivers in these states, as it means they can get their windshields replaced free of charge. While only three states have laws requiring free windshield replacement, there are several other states that allow drivers to purchase separate glass coverage along with their comprehensive coverage. This glass coverage has its own deductible, which can be waived or reduced in case of claims related to the windshield. Some of these states include Arizona, New York, Massachusetts, and Connecticut.It's important to note that every state has its own laws and regulations regarding zero-dollar deductibles.
Some states require it, while others allow it as an option. It's always a good idea to do your research and understand your coverage before filing a claim for windshield replacement. While it may seem like a no-brainer to get your windshield replaced for free, there are a few factors to consider before making a claim. First, you should make sure that you actually need to replace your windshield and that it cannot be repaired. In some cases, a repair may be covered by your insurance without having to pay a deductible. Additionally, if you have all-risk or collision coverage, you will likely have to pay a deductible for windshield replacement.
This is because these types of coverage do not typically cover glass damage unless it is caused by a covered event, such as an accident. The laws and regulations surrounding free windshield replacement have a significant impact on the way insurance companies handle claims. In states where it is required by law, insurance companies must waive the deductible for windshield repairs or replacements. This means that drivers in these states can save hundreds of dollars on their repairs. However, these laws also vary from state to state and can be complex. Recent legal developments, including decisions by the Florida Supreme Court, have revolutionized the landscape of replacement coverage for windshields.
As an expert in this field, I highly recommend doing adequate research on your coverage before filing a claim for windshield replacement. In conclusion, while only three states currently have laws requiring free windshield replacement, there are other states that offer glass coverage options. It's important to understand your coverage and the laws in your state before filing a claim. And remember, always consider if a repair is possible before opting for a replacement. With this information, you can make informed decisions about your windshield repairs and save money in the process.