Maybe he didn’t even see it coming.

A rock, metal bar, or animal hits your car’s windshield as you travel on I-95 or the Turnpike.

What happens next?

If you’re lucky enough to avoid injury, you’ll need to fix or replace your windshield.

That can be expensive. But if you have private insurance and are covered in Florida, you can get the job done for free.

The Miami and Broward freeways are lined with open vehicles carrying chunks of concrete, metal rod and other building materials. Debris from the road carpets the pavement. Birds, turtles, and even frozen iguanas have been known to appear out of nowhere.

And all of this can be shot off the road or fall from a truck or a tree.

Now what? A Reddit user shared the news: Drivers with broken windshields can get a replacement for free. But how does it work? Insurance: First of all, to be eligible for free windshield replacement, drivers must have auto insurance that covers vandalism or damage not caused by an accident. It is an additional purchase, above the minimum liability requirement. Florida law: Yes, the state has a law that offers free windshield replacements for drivers who have full insurance. Basically, the law waives the deductible, which in some cases can be high, even $1,000, and results in significant expenses before the policy covers the cost of a broken windshield. Kentucky and South Carolina also offer zero-deductible windshield coverage to drivers who have comprehensive insurance.