Does PIP Cover Windshields in Florida?

This article aims to clarify whether Personal Injury Protection (PIP) insurance covers windshields in Florida, and to explain the type of insurance that typically provides such coverage, including any state-specific laws that apply. Understanding these distinctions can help policyholders navigate their coverage effectively.

Understanding Personal Injury Protection (PIP) in Florida

Personal Injury Protection (PIP) insurance is a mandatory component of auto insurance for all drivers in Florida, operating under the state’s no-fault system. This coverage is primarily designed to address medical expenses, lost wages, and in some cases, death benefits, for individuals injured in an auto accident, regardless of who was at fault. PIP covers 80% of necessary and reasonable medical expenses and 60% of lost wages, up to a minimum required limit of $10,000 per person. The policy also includes a $5,000 death benefit in addition to the medical and disability benefits.

PIP covers personal injuries and associated financial burdens, such as hospital bills and rehabilitation. However, PIP insurance does not extend to property damage to your vehicle. This means costs related to repairs for your car, including windshield damage, are not covered under your PIP policy.

Windshield Coverage in Florida

Windshield damage is typically covered under the “Comprehensive” portion of an auto insurance policy. Comprehensive coverage protects your vehicle from various non-collision events, such as theft, vandalism, fire, natural disasters like hail or floods, and impacts with animals. It also specifically includes glass breakage that does not result from a collision.

While comprehensive coverage usually involves a deductible, Florida has unique laws that can eliminate this out-of-pocket expense for windshield repair or replacement. This makes Florida distinct from many other states regarding how windshield claims are handled. It encourages drivers to address windshield damage promptly, which contributes to road safety.

Florida’s No-Deductible Windshield Law

Florida drivers benefit from a specific provision in state law, Florida Statute 627.7288, which mandates that the deductible for comprehensive coverage does not apply to damage to a vehicle’s windshield. If you have comprehensive auto insurance, your policy must cover windshield repair or replacement without requiring any out-of-pocket costs. This law applies to damage caused by perils typically covered under comprehensive insurance, such as cracks, chips, or shatters resulting from falling objects, road debris, or other non-collision incidents.

The intent behind this statute is to promote timely repairs of damaged windshields, as driving with impaired visibility can pose significant safety risks. By waiving the deductible, the state removes a potential financial barrier that might otherwise deter policyholders from seeking immediate repair or replacement. This unique legal framework makes it easier for Florida residents with comprehensive coverage to maintain their vehicle’s safety without incurring direct costs for windshield issues. The law applies exclusively to the windshield; damage to other auto glass, such as side or rear windows, may still be subject to a deductible.

Filing a Windshield Claim

Initiating a claim for windshield repair or replacement in Florida is straightforward for drivers with comprehensive insurance. The first step involves contacting your insurance provider directly or reaching out to a reputable auto glass repair shop. Many glass repair businesses handle the claim process on behalf of the insured, verifying comprehensive coverage for the no-deductible benefit.

Once coverage is confirmed, the repair or replacement will be arranged. Under Florida Statute 627.7288, you will not be required to pay anything out-of-pocket for covered damage. The glass shop or insurer will determine if the damage, such as a chip or crack, can be repaired or if a full windshield replacement is necessary based on factors like size, location, and type of damage. Minor chips can often be repaired, while larger cracks or damage in the driver’s direct line of sight typically require replacement. This restores the windshield’s integrity and ensures clear visibility for safe driving.