My windshield was cracked. Do I pay my deductible in Florida?

Car insuranceOtherFloridaChecked Nov 6, 2026

From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: Florida Statutes · § 627.7288 «Comprehensive coverage; deductible not to apply to motor vehicle glass» View original ↗

In short

In Florida, a comprehensive car policy cannot charge its deductible for windshield damage.
This is in the state law.
It names the windshield only. Check your policy for other glass.

What this means

Florida law says the deductible in a car policy with comprehensive coverage "shall not be applicable to damage to the windshield" of the car [1]. So a comprehensive or combined additional coverage policy issued in Florida cannot take a deductible off a windshield claim [1].

The law names the windshield. It does not say anything in this section about side or rear windows, so read your policy for those [1].

This rule covers policies "delivered or issued in this state by an authorized insurer" [1]. If your policy was issued in another state, ask your insurer which rule applies.

Your next step

Check that your policy has comprehensive coverage (or "combined additional coverage"). If the insurer takes a deductible off a windshield claim, ask it in writing which policy term or law it relies on. The statute gives no deadline.

Check it yourself

Open the Florida statute page below and read section 627.7288. It is one sentence.

Where this comes from (1)

[1] Florida Statutes · § 627.7288 «Comprehensive coverage; deductible not to apply to motor vehicle glass» · checked 2026-11-06
The deductible provisions of any policy of motor vehicle insurance, delivered or issued in this state by an authorized insurer, providing comprehensive coverage or combined additional coverage shall not be applicable to damage to the windshield of any motor vehicle covered under such policy.

How we found this

We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.

What we don’t know yet

Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.

Every answer is checked against the official rule it quotes.

Information only — not legal advice. Your plan, insurer or agency decides.

This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.

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