Florida SB 1002 Changed Windshield Claims and What Miami Drivers Should Do Now
- Charly
- 3 days ago
- 3 min read
A 2026 guide to the auto glass rules that ended the parking lot giveaways, reduced lawsuit abuse, and reshaped how insurers handle windshield claims.
Why this matters in 2026
If you drive in Miami, you have probably seen fewer windshield pop ups and fewer too good to be true offers. That is not a coincidence. Florida SB 1002 has been in effect since May 25, 2023, and by 2026 the market impact is clear: fewer incentives, fewer assignment driven lawsuits, and more structured claim handling.
What SB 1002 actually changed
First, it made it unlawful for auto repair shops and related solicitors to offer things of value to get you to file a glass claim.
Second, it prohibited assignment agreements of post loss benefits for motor vehicle glass claims issued or renewed on or after July 1, 2023, making those agreements void and unenforceable
The gift card and giveaway ban
The law prohibits rebates, gift cards, cash, coupons, or anything of value offered in exchange for making a motor vehicle glass insurance claim. In 2026, if someone approaches you offering a reward for filing a claim, it is a major red flag.
The end of Assignment of Benefits for auto glass
Before the law, some shops used assignment agreements to take control of the claim and pursue payment disputes directly. SB 1002 stopped that for windshield claims by prohibiting these assignments for policies issued or renewed on or after July 1, 2023. You keep control of the claim in 2026.
Your right to choose a repair shop still matters
SB 1002 also reinforced anti steering rules. Insurers and their representatives may not require you to use a particular company or location for windshield replacement, repair, or calibration services.
What about the zero deductible windshield rule
Florida statute 627.7288 states that the deductible provisions of comprehensive coverage do not apply to windshield damage. That is the backbone of the zero deductible expectation many Florida drivers rely on.
At the same time, SB 1002 created a framework where insurers can offer an actuarially sound discount when a policy includes a repair arrangement for windshield services and the insured accepts it. In 2026, that means you may see policies marketed with a discount tied to how claims are handled, so it is smart to review your exact policy language at renewal.
How this affects your auto insurance premium in Miami
The law was designed to reduce claim inflation and litigation pressure. While broad pricing depends on many factors, SB 1002 gives insurers new tools to stabilize glass claim costs and offer discounts tied to structured repair arrangements. The practical takeaway in 2026 is simple: more plans include glass related terms that can vary by carrier, so shopping your policy matters.
How to handle a windshield claim in 2026
Start with your policy. Confirm you have comprehensive coverage and review any windshield repair arrangement terms.
Pick a reputable shop that provides clear documentation and written estimates, especially if calibration is involved.
Avoid anyone offering rewards for filing a claim.
Keep control of the claim and do not sign documents that attempt to transfer your post loss benefits.
Your 2026 action plan before renewal
Review your declarations page and confirm comprehensive coverage is in place.Ask whether your policy includes a windshield repair arrangement and what discount applies. Compare carriers if your premium jumped, because underwriting rules vary widely across Florida. Save proof of prior glass repairs and calibration invoices, since documentation can prevent claim disputes.
FAQs
Is it legal in 2026 to get a gift card for a windshield claim
No. SB 1002 prohibits offering anything of value in exchange for making a motor vehicle glass insurance claim.
Can a shop still make me sign an Assignment of Benefits for auto glass
Not for policies issued or renewed on or after July 1, 2023. Those assignment agreements are prohibited and void under Florida law.
Can my insurer force me to use a specific glass shop
No. The law prohibits requiring you to use a particular company or location for windshield services.
Is windshield replacement still zero deductible in Florida
Florida statute 627.7288 states the deductible does not apply to windshield damage under comprehensive coverage.
What is a windshield repair arrangement discount
It is a policy feature where the insurer provides a discount if the policy includes a structured arrangement for windshield replacement, repair, or calibration services and you accept it.
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