Florida § 627.7291 - Motor vehicle windshield claims and practices; steering prohibited; exceptions.

§ 627.7291. Motor vehicle windshield claims and practices; steering prohibited; exceptions.

(1) A person, including an insurer, agent, adjuster, or any person or entity acting on the insurer’s, agent’s, or adjuster’s behalf, may not require a claimant to use a particular company or location for the provision of motor vehicle windshield glass replacement, repair, or calibration services or windshield glass products which are subject to a claim for replacement, repair, or calibration, in whole or in part, under the terms of a personal lines automobile insurance policy. (2) An insurer, agent, adjuster, or any person or entity acting on the insurer’s, agent’s, or adjuster’s behalf may provide an explanation of motor vehicle comprehensive coverage benefits and any applicable limit of liability to a claimant. (3) An insurer, or any person or entity acting on the insurer’s behalf, must provide an actuarially sound discount to the insured if they offer, and an insured accepts, a policy that contains a repair arrangement for the provision of windshield glass replacement, repair, or calibration services or windshield glass products. (4) This section may not be construed to create a private cause of action. (5) This section applies to motor vehicle windshield glass claims under the comprehensive or combined additional coverage provisions of a personal lines motor vehicle insurance policy.