[quote=Bogie Shooter;792706]
Quote:
Originally Posted by 2BNTV
The golfer is not legally responsible for breaking a window on a home along a fairway..................why would they be legally responsible for hitting a car?
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ALSO
Source: I live in the state of Florida. Is all auto glass covered?
Question
I live in the state of Florida. Is all auto glass covered under the comprehensive coverage?
Answer
Yes, auto glass would be covered under the Comprehensive portion of your Florida auto insurance policy.
Comprehensive coverage covers your vehicle, and other vehicles (in limited scenarios) you may be driving, for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. Your vehicle's glass breakage and damage done due to vandalism are also covered under Comprehensive coverage. It pays to fix your vehicle less the deductible you choose.
However in Florida for some glass breakage claims the deductible is waived. As the Florida insurance regulator, FL Department of Financial Services, notes on their site, your insurance company will not assess your deductible to replace your front windshield. Florida law requires this waiver in order to encourage drivers to replace cracked or broken windshields immediately to avoid a major driving hazard.
The wording of the Florida Statute, 627.7288, reiterates what the state's insurance regulator notes by the law saying that the deductible is waived only for windshield glass. The basics of this statute states that the deductible provisions of any Florida motor vehicle insurance policy, providing comprehensive or combined additional coverage, shall not be applicable to damage to the windshield of any motor vehicle covered under such policy.
Current Florida statute states: Comprehensive coverage; deductible not to apply to motor vehicle glass. 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.
So in FL your front windshield being replaced or repaired using your Comprehensive coverage would mean that your deductible would be waived. Your Comprehensive coverage also covers other glass on your vehicle, such as your side window and back window however for claims regarding these other areas of glass on your car your deductible amount would be due. |
Thanks for this information Bogie Shooter! It really clears up a lot of questions I had. My friend was quite shock up when talking to the insurance claim office, so I took the phone from her to ask some questions on her behalf. I questioned waving the deductible for car windows and was told she had never heard of it before. It would have been helpful if she stated it applied to only the front windshield.
To all other posters: I am a golfer and I posted this information to make others aware of this situation and know that it can and does happen. Just because it has never been posted before does not mean it has never happened. Please be extra careful when teeing off next to the road! I know, I have hit really close to the road before and thanked The Lord I did not hit a car. Not for financial reasons either.