Florida glass claims
Insurance for a Miami windshield, explained plainly.
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Florida has its own windshield deductible rule, and a 2023 law changed how glass claims work. Here is what each statute says and what it means for your car.
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The statutes
Florida glass law at a glance
We read each statute on the Florida Legislature's site in October 2026. Short quotes are the law's own words; the rest is our plain summary. Your own policy still decides your claim.
| Statute | In short | For a Miami driver |
|---|---|---|
| Fla. Stat. § 627.7288 | On a policy with comprehensive or combined additional coverage, the deductible “shall not be applicable to damage to the windshield.” | A covered windshield can have $0 Deductible with Comprehensive Coverage. Side, rear and roof glass are not part of this rule. |
| Fla. Stat. § 627.7291 | For a personal auto policy's windshield claim, the insurer, or anyone acting for it, may not require you to use a particular company or location. | Your insurer can suggest a glass company for the windshield. A suggestion is not a requirement. |
| Fla. Stat. § 627.7289 | On policies issued or renewed on or after July 1, 2023, an assignment of post-loss glass benefits to a shop is void. | The claim stays in your name. We never ask you to sign it over; we help you file it. |
| Fla. Stat. § 559.920(17) | A repair shop may not offer an inducement to a customer for making a glass insurance claim. | That is why we offer no incentive of any kind for a Florida claim, and never pay or waive a deductible. |
| Fla. Stat. § 316.2952 | Cars on public roads must have a windshield with safety glazing that meets federal standards. | No crack length is set. Damage in the driver's view, or a crack that keeps spreading, is the practical reason to replace. |
§ 627.7288 was not repealed in 2023; its history ends with ch. 97-178. The 2023 changes came from ch. 2023-136.
The claim
A Miami windshield claim, step by step
Coverage first
Send your insurer's name and policy details. We look for comprehensive or combined additional coverage on the car with the cracked glass and tell you what applies before any time is set.
You open the claim
Usually by phone or in your insurer's app. We stay on hand to give the glass part and our business details, and we help you file it. The claim is yours from start to finish.
The install
At your home, office or condo garage across Miami-Dade, Monday through Saturday, 8am to 6pm.
The bill
After covered work, the invoice goes to your insurer directly. Where a deductible applies, such as on door glass, you pay it to us; we never cover, waive or refund it.
Insurance companies
Every insurer, the same steps
We accept all insurance companies. Whether you are with GEICO, Allstate, Progressive, USAA, State Farm or someone smaller, we help you file with that company. Naming yours on a call does not make us its partner: no insurer endorses or recommends Bang AutoGlass, and we do not act for any of them.
If your insurer points you to another glass company for a windshield, § 627.7291 means it may not require you to use that company on a personal auto policy. Tell us if anyone pushes back, and we will go over the next step with you.
Florida coverage questions
Keep your declarations page nearby and call our Miami line, (305) 677-8371. The (877) line, (877) 994-5277, is answered 24/7.
Did Florida end the windshield deductible rule in 2023?
No. The 2023 law, ch. 2023-136, changed other parts of glass claims: it voided post-loss assignments of glass benefits on newer policies and barred shops from offering inducements for a claim. Fla. Stat. § 627.7288, the windshield deductible rule, still stands.
My deductible is high. Do I still pay it on a windshield?
Not on the windshield, if that car has comprehensive or combined additional coverage: § 627.7288 says the deductible does not apply to windshield damage, whatever its amount. On door, back or sunroof glass the deductible still applies.
How do I check whether I have comprehensive coverage?
Look at the declarations page, the summary that lists coverages for each car. Some policies call it Other Than Collision. If you cannot find it, we can look at it with you before booking.
A storm threw debris into my windshield. Is that a comprehensive claim?
Usually. The Florida Department of Financial Services describes comprehensive as cover for damage from events other than a collision, and lists windstorm and flood among them. Your insurer makes the call on each claim.
Will a windshield claim raise my premium?
That is a question for your insurer or agent. We cannot predict or decide it, and none of the statutes on this page answers it.
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