Will insurance repair a car windshield for free in florida?
Ok mixed answers
what if i buy a car with the cracked windshield already there?
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Yes if you paid extra for glass insurance, otherwise no.
full coverage Florida insurance will cover windshields.. you do not have to buy extra policies for it, it is the law in Florida.
fire is mostly correct. in Florida if you have comprehensive coverage insurance you will not have to pay a deductible to get a new windshield. I have had windshields replaced and paid no deductible for the replacement and i have 1000 deductible set on my insurance policy. yes it is true the cracked windshield had to happen WHILE being covered under comprehensive coverage. here is a link regarding the Florida law on windshields. you insurance will not go up if your a safe driver without incident. the windshield in Florida is not considered a collision, but a chance occurrence. my rates did not go up.. but if you have repeat occurrences rate increase may apply.that is part of the Florida law..
If you buy a car with a cracked windshield you will have to pay for it out of pocket.
I believe you need to have comprehensive coverage, but not collision.
Insurance covers damage that happens during the period of insurance coverage. It does not cover per-existing damage. To put a claim in for damage that did not happen during the time that the policy was in force is insurance fraud. This is a criminal matter, and depending on the cost of the windshield could even be a felony.
To be covered for damage, you need to have comprehensive coverage on your policy, and if you do not want to pay anything, you will need to have a zero deductible.
In this case, you will have to have the windshield replaced at your own expense, and then you can insure against damage to the new windshield
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Perhaps You could google it first ,nonetheles, if you perfer some direct resource ,here might be your choice.
mike D is correct- I have had mine replaced- no deductable was applied(I am in florida) however I also ripped off my drivers mirror, and my deductable did apply there.
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Try to deal it out of pocket, otherwise insurance rates will go up much more. You can check how quotes will change here - autoinsurance.maclenet.com
The coverage depends on your insurance company and your policy. This is a very, very vague quesiton.
Why would you expect your insurance to cover a pre-existing condition?
If you do it: That would be a crime; I hope you get caught and go to jail!