How do windshield replacements without a deductible work?In Kentucky, Florida, and South Carolina, windshield replacement laws require your insurance company to cover the total cost of windshield claims if you carry comprehensive coverage on your auto policy. These three states waive the deductible for windshield claims, so they are often referred to as "zero deductible" states. Show
It's important to remember that you will pay for your comprehensive coverage as a part of your premium, even in these three states. Some may refer to these states as offering "free windshield replacements." The "free" part kicks in when you file a windshield claim and the deductible is waived, which results in your insurance company covering the cost pursuant to the terms and conditions of the applicable policy. Which states offer glass coverage?In addition to states with free windshield replacement laws, there are a handful of states that offer, at your option in exchange for a premium, separate glass coverage with a no or low deductible option for windshield replacements. To qualify for glass coverage, these states usually require you to carry comprehensive coverage on your auto policy. In Arizona, for example, the law requires an option for glass coverage with no deductible for a windshield replacement. Other states that offer similar glass coverage include:
Before you seek a free windshield replacement in any of these states, contact your insurer to confirm coverage requirements. There may be additional guidelines about the type of windshield damage and repair shops used. A minor car accident or road debris can chip or crack your windshield. Windshield damage is extremely dangerous and should be repaired as soon as possible. Many drivers are unable or unwilling to pay the expense of windshield repair or replacement. However, you can have your windshield repaired or replaced for free in Florida. There is a statute in Florida that prevents car insurance companies from applying a deductible to windshield repairs or replacements. Click here to view the statute. Driving your car with a damaged windshield can result in personal injury or wrongful death. If your windshield is damaged in a car accident or by road debris get it replaced for free. Alejandro Figueroa | June 27, 2021 | Florida Law  A damaged windshield can happen without warning. For example, you may be driving down the road, and a rock flies into your windshield. Depending on the size of the rock and how it hits the windshield, it could cause a minor crack or chip. Likewise, your windshield could be damaged because of a storm or an object hitting the glass. While a minor crack or chip may not seem serious, it could turn into a massive spider web of cracks across the windshield. A crack or chip could decrease the windshield’s integrity, causing it to shatter while you are driving. It is best to have the windshield repaired or replaced as soon as possible. However, the cost of a windshield replacement or repair can be expensive. Fortunately, you might not need to worry about that. Windshield Repairs are Free for Many Florida DriversDepending on the type of car insurance you have, your windshield repair may be free. Under Florida Statute §627.7288, if you have comprehensive car insurance coverage or combined additional coverage, your windshield is covered. It is in the best interest of the public for motor vehicles to have safe windshields. The chance of a car accident is high when a windshield suddenly breaks. Therefore, requiring insurance companies to pay to repair broken and cracked windshields helps reduce car, truck, motorcycle, pedestrian, and bicycle accidents. Most repair shops in Florida are aware of the statute regarding windshield repairs. However, if you have questions about a damaged windshield, you can contact your insurance company. Maintaining Your Vehicle Can Reduce the Risk of a Car CrashA well-maintained vehicle is less likely to malfunction and contribute to the cause of an accident. Ordinary repairs and maintenance that many drivers overlook which could lead to a car wreck include, but are not limited to:
The vehicle’s manufacturer generally includes a maintenance schedule in the owner’s manual. However, it is the owner’s responsibility to see that repairs are made when they are necessary. Depending on how the vehicle is used, you may need to replace some parts and schedule maintenance sooner than the owner’s manual recommends. Who is Responsible for Damages Caused by an Accident Related to Poor Maintenance?As with other car accident cases, the driver who caused the car accident can be financially liable for any damages caused by the crash. Therefore, if a driver failed to replace worn tires and a tire blew out, leading to a crash, that driver could be liable for any damages sustained by other parties. However, if the tire blew out because it was defective, the tire manufacturer may be liable or share liability for damages. The same would be true with other parts and systems on the vehicle. Therefore, it is always best to have a car accident attorney conduct a thorough accident investigation to determine all factors that contributed to the cause of the car crash. Each party who was responsible for any of those factors can be held liable. Identifying all liable parties for a car accident increases the chance that you recover maximum compensation for your personal injury claim. Filing a Florida Car Accident ClaimSince Florida is a no-fault car insurance state, your first claim will be to your PIP insurance provider. However, if you sustain serious injuries, you may have a claim against the at-fault driver for damages. Likewise, if a defective product caused the crash, you could have a product liability claim against the manufacturer. PIP insurance only pays for a portion of your medical expenses and lost wages. However, by filing a personal injury claim, you may be entitled to compensation for:
The facts of your case determine how much your personal injury claim is worth. If you are unsure how much your claim is worth, do not agree to a settlement offer from the insurance company. You could be receiving a much lower settlement amount. Check with a car accident lawyer before signing any documents or agreeing to a written or recorded statement. Seeking legal advice may mean much more money for your injury claim. If you’ve been injured in an accident in Tampa, FL, and need legal help, contact our Tampa personal injury lawyers at Catania & Catania Injury Lawyers to schedule a free consultation. Catania & Catania Injury Lawyers We also provide legal assistance throughout the Tampa Bay Area including Clearwater, St. Petersburg, Sarasota, and Bradenton. Can I get my windshield replaced for free in Florida?Windshield Repairs are Free for Many Florida Drivers
Under Florida Statute §627.7288, if you have comprehensive car insurance coverage or combined additional coverage, your windshield is covered. It is in the best interest of the public for motor vehicles to have safe windshields.
Does Safelite replace windshields for free in Florida?If you live in Florida and you have full coverage auto insurance and/or comprehensive coverage on your auto insurance policy, you qualify to have your windshield replaced for free!
Why do you get free windshield in Florida?Florida has a law that prohibits insurance companies from charging a deductible for windshield glass repair. Whether the windshield was damaged in a hurricane, vandalism, or while driving, some Floridians can receive free windshield repair.
Does Florida pay for cracked windshield?If your windshield has been damaged in Florida, your comprehensive insurance policy will pay to fix the windshield for free without you having to pay the deductible.
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Where can i get a free windshield replacement in florida
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