As a car owner in Florida, you should be aware of the benefits of having comprehensive coverage on your auto insurance policy. While most people know that this type of insurance covers damage to your vehicle from events like fire and theft, many don’t realize that it can also cover the cost of windshield replacement. Let’s take a closer look at how this works.
Florida comprehensive insurance is an optional form of coverage that provides protection against losses caused by events other than a collision with another vehicle or object. This includes things like fire, hail, vandalism, and animals. Comprehensive coverage also covers windshield repair or replacement if it is damaged in any of these incidents.
If your windshield is damaged due to an event covered by comprehensive insurance, you will be able to file a claim and have it repaired or replaced without paying out-of-pocket costs. Depending on the type of coverage you have and the company providing it, there may be some limitations on the amount reimbursed for windshield repair or replacement; however, most companies will cover up to 100% of the cost with no deductible required.
In addition to covering damages from incidents listed above, some companies may also offer additional coverage for things like hailstorms and falling objects such as tree branches. Be sure to read your policy carefully so you know exactly what is covered in case you ever need to file a claim for windshield repair or replacement.
Having comprehensive coverage on your auto insurance policy can provide valuable protection in the event that your windshield becomes damaged due to an incident not related to a collision with another vehicle or object. It’s important to understand how this type of coverage works so that you are prepared if something happens and you need to replace your windshield. Knowing what is covered can help ensure that you get the most out of your policy when it comes time to file a claim for windshield repair or replacement in Florida.
For more information about the Florida “free windshield” law visit this link – Florida State Statute 627.7288
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