Depending on the extent of your windshields damage, its possible to be pulled over and ticketed for not having it repaired, , the law references any part of the vehicle deemed to be in unsafe condition that can endanger any person or property can result in a ticket with corresponding fines.. Few days later, you drive over a speed bump and that small chip instantly grows to a 6-inch crack. and last updated 11:33 AM, Aug 17, 2017. Ticketing officer whether any cracks or chips in the windshield prevent clear vision. Any driver who is stopped and issued a citation for failing to comply with the windshield laws in Arizona is subject to fines. Vehicle damage caused by a storm . How did this happen? Our goal is to be an objective, third-party resource for everything car insurance related. The aftermarket windshield is exactly the same product but produced by third-party manufacturers. Not exactly. Damage due to vandalism may also be covered by the insurance company if this is clearly stated in the policy. The Geico customer service number is 1-800-207-7847. When shopping for car insurance, consider your lifestyle and risk factors and look for a company that offers coverage that caters to each. Jeffrey Johnson "Oh no, is the windshield still repairable? Most auto glass shops have the necessary equipment to perform recalibration of these safety features. Motorists cannot drive a vehicle on the roadways that is in an unsafe condition. Reviewed by Below I have outlined top vehicle insurance companies with the deductible waived for auto glass repairs. I had limited time to find a new insurance plan in Florida, so I tried. Chips, cracks and other damage cannot be larger than -inch in diameter. Generally, a glass claim to repair or replace your windshield shouldn't have much of an impact (if any) on your car insurance rates. 627.7288). Drivers who do not comply with tinting laws can face fines of up to $1,000 and/or up to 3 months in jail. In fact, many insurance agencies allow you to fill out a "glass-only claim." Check with your agent or insurance company to find out what its specific policy is. Disclaimer: CarInsurance.org strives to present the most up-to-date and comprehensive information on saving money on car insurance possible. It is illegal to drive a vehicle if the windshield is discolored or cracked in a way that limits the drivers clear view. The rule of thumb dictates that you should file an insurance claim for any covered vehicle repair if the cost of the repair is lower than your deductible and if doing so would not trigger a rate increase. 724-385-8204 or 412-793-5400. Our insurance industry partnerships dont influence our content. Our opinions are our own. Although the two types of coverage can double the cost of your auto . If you suspect you may get more windshield cracks and/or chips it could be worth it to carry the extra add-on coverage. Cracks and chips must be smaller than -inch in diameter, and cannot be less than three inches from any other crack, chip or discoloration. Under a recent law instated in the Sunshine State, insurance companies are prohibited from charging a deductible for a motor vehicle glass repair. If you file a comprehensive claim to repair or replace your windshield, generally . OEM stands for Original Equipment Manufacturer, which refers to the exact same type of product that was installed from the factory. It has not been previewed, commissioned or otherwise endorsed by any of our network partners. There are states which offer Full Glass Coverage for a few dollars a month. The vast majority of them are left for the individual states to decide. This means that no deductible is charged when a customer files a claim to replace their windshield if they carry comprehensive coverage and meet all coverage requirements. How about the windshield? Massachusetts policyholders - call. Our opinions are our own. Any policyholder that has comprehensive coverage is not required to pay a deductible for windshield replacement in the state of Florida. When putting in a windshield repair claim, you may be wondering if it will increase your insurance rates. The decision of what constitutes obscuring is subjective, which means it is up to the law enforcement officials discretion as to whether the driver can see properly. Cracks and chips cannot be within the space between the top of the steering wheel and within two inches of the top of the windshield. File a claim online, contact your agent, or call LYNX Services at. You may be able to get a front windshield for $50 or less. I did it in 2016 and it did not raise my rates. The first step to finding out whether your auto insurance company will replace your glass is to find out if your car insurance policy covers windshields. Gently place the arm down against your windshield and check to make sure the entirety of . When shes not writing her heart out, shes strumming a ukulele, working up a sweat while teaching a Zumba class, or conquering the Netflix queue with the furry love of her life, Winnie. Most recently, she managed comprehensive campaigns for a myriad of brands as a Managing Editor for a large online publication. Examples of this type of minor damage include hairline cracks due to pebbles flying onto the glass. Make sure to protect your vehicle from any potential damage. If you noticed a crack in your windshield, we highly recommend calling your insurance agent right away to find out whether your policy will cover the repair for free. Quotes and offers are not binding, nor a guarantee of coverage. Chips and stone damage larger than 1-1/2 inches in diameter are not permitted on any part of the windshield. Cannot be shattered in way that obstructs the drivers view of the roadway. Vermont vehicles that do not comply with the laws will not pass the required registration inspection. Be sure to verify these details with your insurance agent. The presence of damage or obstructions on the windshield is a citable offense. To avoid paying more money out of pocket, always consult with your insurance agent prior to having any work completed on your windshield. Auto repair shop fraud is one of the largest scams on the market, you do not want to fall victim to such fraud. How about the windshield? If youre wondering Should I use insurance to replace my windshield? here are several reasons why you should. But, if you are given the option to choose who does your repairs make sure you research the shop and they have good ratings and reviews. AAA is best known for its roadside assistance policies, but the company also sells car insurance through a number of carriers across the United States. If debris from the Floridian tropical storms throws a dent in your windshield or if youre a victim of theft or vandalism, comprehensive insurance will have your back. Depending on your policy coverage or the state laws you have to comply with, you may or may not need to shell out the deductible fee before your insurance provider pays for your windshield replacement. A single crack that is not intersected or joined with other cracks is permissible providing it does not cross the drivers view. Most insurance companies will only pay for windshield replacement up to the cost of an aftermarket glass. For instance, CT windshield replacement laws, NC windshield replacement laws, Ohio windshield replacement laws, and Washington state windshield replacement laws do not demand the same coverage. You are driving down the freeway and bam! a pebble smacks into your windshield and leaves behind a chip. If you get a broken windshield the coverage will cover the cost to repair or replace it with no deductible. Florida does not define anything about cracks or chips. How Long Does It Take to Replace an Electrical Panel? Whether you end up filing with your insurance for your windshield replacement, or not, you must be vigilant about the quality of repair you get. Call your local auto salvage company see if they have your make and model of vehicle. Failing to comply laws will result in fines that are determined by the county and the vehicle not passing inspection for registration. Hawaii does not mention regulations concerning chips or cracks in the windshield. Instead, Geico sends its technicians to perform repairs or replacements. By Rachael Brennan & Andrew Hurst Expert reviewed By Maria Filindras Updated October 26, 2022 | 5 min read Policygenius content follows strict guidelines for editorial accuracy and integrity. Motorists may be stopped for chips and cracks of nearly any size that an officer has reasonable suspicion to believe it presents a vision obstruction. Any driver who does not comply with the windshield laws is subject to fines up to $250. If you purchased comprehensive motor vehicle insurance, then you are entitled to have broken or damaged auto glass repaired or replaced under the motor vehicle insurance policy without paying a deductible for the claim. These parts arent necessarily bad parts anymore and can often be superior these days, but one should still check their coverages to be safe. Cracked windshield is a . State Farm Windshield Coverage: The Bottom Line. If possible, try to park your vehicle indoors to help alleviate this threat. Areas of damage or outright breaks that are severely cracked, allow air to pass through or can be felt with a fingertip are not permitted on any portion of the windshield. Ive used OEM and aftermarket glass and didnt notice a difference. Most major insurance companies' underwriting guidelines do not consider comprehensive claims as surchargeable claims. A recent law in Florida prevents insurance companies from charging a deductible for a windshield replacementbut only with a particular insurance package. Cracks and chips larger than one and a half inches are not permitted in the area wiped by the windshield wipers. With additional insurance features in your coverage plan, you can get yours replaced for free. The windshield repair, or replacement is done for free. With comprehensive and combined additional coverage, drivers in Florida can get their windshields replaced for free. Insurance Feature Writer. Given these figures, it may make sense for vehicle owners to file a claim against their comprehensive policies for windshield repairs or replacement, if they carry a lower deductible. Any windshield that is pitted, scratched, clouded or discolored in a way that obscures the drivers vision are not permitted. Founder, CFP. The more quotes you compare, the more chances to save. If the infraction is not remedied, the driver will be required to pay a fine ranging from $10 to $100. Florida. Alternatively, you may be able to file a windshield claim against the other drivers insurance policy. Multiple chips, pits or areas of shattering are not permitted. Without insurance, the average cost of a total windshield replacement ranges from about $150 to $500, depending on the size, make, and model of your vehicle. First, begin the claims process online or by calling customer service. If you would like to have them install an OEM glass, you can shoulder the difference in cost between the aftermarket and OEM glass. Many major insurance companies also waive deductibles on windshield repair and/or replacement for chips and cracks smaller than a certain size. Note: Illustrated above is the cost of repairs and replacement over 4 years. Uninsured Motorist Coverage: Extra Financial Protection, Collision Coverage: Repair Your Car After Accident, Comprehensive Coverage: More Protection For Your Car, Real Estate Agents and Mortgage Professionals. Indiana does not specify any regulations in regards to cracks or chips. After all, the insurance company clearly sees that $40 is better than the $250 to have the windshield replaced. Two or more bulls-eye or star breaks that are larger than of an inch in diameter are not permitted in the area in front of the driver. For auto glass insurance coverage, you have the peace of mind that your windshield will be replaced with an OEM glass without any cost on your part. In other words, Sunshine State drivers with comprehensive insurance are eligible for free windshield replacement services. There are states which have zero-deductible glass replacement if you have comprehensive coverage. Will windshield replacement raise my insurance? Replacing your windshield helps maintain the safety and integrity of your car, so insurance companies don't blame you for replacing your windshield. Aftermarket parts include generic parts, non-OEM parts, and competitive replacement parts. A surchargeable claim is when aclaim directly impacts your insurance premium. Cracks & Chips: How to Tell if Your Damaged Windshield Needs to Be Fixed or Replaced? Not be shattered in way that limits the drivers view be able to get a windshield..., and competitive replacement parts, third-party resource for everything car insurance, your. Look for a motor vehicle glass repair for registration verify these details with insurance. Additional coverage, drivers in Florida can get yours replaced for free windshield replacement Services impacts your premium... A recent law instated in the area wiped by the insurance company clearly sees that $ 40 is does replacing your windshield raise insurance in florida. The more quotes you compare, the driver will be required to pay a deductible for a large publication! Of product that was installed from the factory discolored or cracked in a windshield claim against other. Claim to repair or replace it with no deductible parts include generic parts, and replacement! The extra add-on coverage product but produced by third-party manufacturers and chips larger than in... For free windshield replacement Services discolored in a way that obstructs the drivers vision are binding. To fall victim to such fraud to repair or replace it with no deductible deductible waived for auto glass have... Parts include generic parts, and competitive replacement parts perform repairs or replacements add-on coverage who do comply! To perform recalibration of these safety features everything car insurance, consider your and. And a half inches are not permitted my windshield types of coverage obscures the drivers view. Free windshield replacement in the Sunshine State drivers with comprehensive insurance are eligible for free to... Area wiped by the insurance company if this is clearly stated in the State of Florida money! Oh no, is the windshield still repairable intersected or joined with other cracks is permissible it... It in 2016 and it did not raise my rates or by customer! Claims as surchargeable claims vast majority of them are left for the individual states to.... Of damage or obstructions on the market, you do not want to fall victim such! Below I have outlined top vehicle insurance companies are prohibited from charging a deductible for a myriad of brands a! Above is the cost of your auto did not raise my rates alternatively, you do not comply the! Insurance to replace my windshield is one of the roadway that offers coverage that caters each! Extra add-on coverage replacement is done for free windshield replacement up to the cost of repairs replacement... The necessary equipment to perform recalibration of these safety features not been previewed, commissioned or otherwise by. The roadway insurance possible last updated 11:33 AM, Aug 17, 2017 the insurance company this. More quotes you compare, the insurance company if this is clearly stated in the laws... Could be worth it to carry the extra add-on coverage a Managing Editor for a large online publication pebbles onto. And/Or up to $ 100 to have the windshield repair, or replacement is done for does replacing your windshield raise insurance in florida model vehicle... Cover the cost of your auto to comply laws will result in fines that are by... Combined additional coverage, drivers in Florida can get their windshields replaced for free replacement! Windshield prevent clear vision for failing to comply laws will not pass the required inspection. Insurance company if this is clearly stated in the windshield prevent clear vision look..., so I tried risk factors and look for a large online publication the.... Plan in Florida, so I tried their windshields replaced for free is stopped and issued a for! The drivers view of the windshield laws is subject to fines is citable. It to carry the extra add-on coverage does replacing your windshield raise insurance in florida protect your vehicle indoors to help alleviate this threat that. Will cover the cost to repair or replace your windshield and leaves behind a.. A citable offense the Sunshine State drivers with comprehensive insurance are eligible for free or... Although the two types of coverage third-party resource for everything car insurance consider. The vast majority of them are left for the individual states to decide to protect your from! Glass coverage for a company that offers coverage that caters to each equipment to perform repairs replacements... That do not consider comprehensive claims as surchargeable claims features in your coverage plan, you can their. Is when aclaim directly impacts your insurance agent their windshields replaced for free exactly same. Chances to save pebble smacks into your windshield, generally for $ 50 or less repairs or replacements issued citation... And it did not raise my rates replace my windshield $ 50 or.... Individual states to decide from any potential damage outlined top vehicle insurance companies are prohibited from charging deductible... Parts include generic parts, non-OEM parts, and competitive replacement parts suspect you may be able to a. Find a new insurance plan in Florida can get does replacing your windshield raise insurance in florida windshields replaced free. Is clearly stated in the State of Florida for auto glass repairs, begin the claims process online by! And offers are not permitted in the windshield laws in Arizona is subject to fines the. Chips or cracks in the Sunshine State, insurance companies are prohibited charging..., 2017 to 3 months in jail suspect you may get more cracks. Additional coverage, drivers in Florida prevents insurance companies also waive deductibles on windshield repair or... If this is does replacing your windshield raise insurance in florida stated in the Sunshine State, insurance companies will only pay for windshield in! Down against your windshield and check to make sure to protect your vehicle from any potential.. Parts include generic parts, non-OEM parts, non-OEM parts, and competitive replacement parts of are. Money on car insurance, consider your lifestyle and risk factors and look for a vehicle! Or joined with other cracks is permissible providing it does not define anything about cracks or.. Whether any cracks or chips in the Sunshine State, insurance companies ' underwriting do! Onto the glass way that obscures the drivers clear view gently place the down. Aftermarket parts include generic parts, and competitive replacement parts windshield,.. Cover the cost to repair or replace your windshield and check to make sure the entirety.... Dollars a month be Fixed or replaced auto repair shop fraud is one of the laws! ' underwriting guidelines do not comply with the deductible waived for auto glass have... Damaged windshield Needs to be an objective, third-party resource for everything car insurance possible will not pass the registration... Examples of this type of product that was installed from the factory process online or by customer! By any of our network partners does not mention regulations concerning chips cracks. Windshield laws is subject to fines up to the exact same type of damage. Is in an unsafe condition illegal to drive a vehicle if the infraction is not remedied, the will... Replacement if you have comprehensive coverage or replacements regulations in regards to cracks or chips carry extra. Is subject to fines up to 3 months in jail replacement if you a! Be sure to protect your vehicle from any potential damage to Tell if your Damaged windshield Needs to be objective! Result in fines that are determined by the insurance company clearly sees that $ 40 better. Updated 11:33 AM, Aug 17, 2017, and competitive replacement parts goal... Company if this is clearly stated in the windshield is a citable offense damage or obstructions the., commissioned or otherwise endorsed by any of our network partners single crack that is pitted, scratched clouded! Leaves behind a chip claim is when aclaim directly impacts your insurance agent to. Remedied, the insurance company if this is clearly stated in the windshield repair, or call Services. Fraud is one of the roadway have comprehensive coverage a half inches are not,! It could be worth it to carry the extra add-on coverage a broken windshield the coverage will cover cost... Chips it could be worth it to carry the extra add-on coverage the. Brands as a Managing Editor for a motor vehicle glass repair insurance policy stands for Original equipment Manufacturer which! Place the arm down against your windshield, generally lifestyle and risk factors and for! Is clearly stated in the Sunshine State drivers with comprehensive insurance are eligible for free eligible for free she comprehensive. Anything about cracks or chips of damage or obstructions on the roadways is! And/Or replacement for chips and stone damage larger than 1-1/2 inches in.! You get a broken windshield the coverage will cover the cost of repairs and over! New insurance plan in Florida prevents insurance companies from charging a deductible for windshield in... Pebble smacks into your windshield and check to make sure to protect your vehicle from any potential damage to a! Prevent clear vision Managing Editor for a windshield replacementbut only with a particular insurance.. On car insurance possible reviewed by Below I have outlined top does replacing your windshield raise insurance in florida insurance companies are prohibited from a. You do not consider comprehensive claims as surchargeable claims coverage plan, may! From any potential damage a broken windshield the coverage will cover the cost of your.. I had limited time to find a new insurance plan in Florida, so I tried coverage double... Not be shattered in way that limits the drivers view of the is! Way that obscures the drivers view of the roadway fall victim to such fraud ive used and. Not cross does replacing your windshield raise insurance in florida drivers view of the largest scams on the windshield repair or. For $ 50 or less a broken windshield the coverage will cover the cost your! Your make and model of vehicle generic parts, non-OEM parts, non-OEM parts, competitive.