There are two optional types of coverage known as Comprehensive coverage and Collision coverage . Generally, when consumers have purchased both the minimally required “Liability and PIP” plus “Comprehensive and Collision” it is deemed they have purchased “full coverage”. However, I will agree that a consumer who limits themselves to just the aforementioned types of insurance, won’t truly have “full coverage” as there are many “options” available for insurance. These options include:
Uninsured or Underinsured Motorist; Rental Car reimbursement; Towing reimbursement; Lock out service; or coverage for non-OEM equipment such as high-end radio and speakers or body moldings.

A short description of each type of insurance is noted as follows:
Liability: When an accident is your fault, bodily injury liability covers expenses related to the injury or death of another driver or a pedestrian, and property damage liability covers expenses related to the damage of another person’s property.

Personal injury protection: If you and/or your passengers are hurt in an accident, this can help cover medical expenses plus related expenses like income continuation.

Collision: Covers expenses related to the damage or destruction of your vehicle that’s been in an accident.

Comprehensive: Covers expenses related to the damage or destruction of your vehicle in situations like thefts or storms.

Uninsured & underinsured motorist: Covers medical expenses and/or repair bills if you’re in an accident, the other driver is at fault and doesn’t have any (or doesn’t have enough) insurance.

627.7288 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.

History.—s. 1, ch. 79-241; s. 2, ch. 81-318; ss. 547, 563, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s. 15, ch. 90-119; s. 114, ch. 92-318; s. 5, ch. 97-178.
Note.—Former s. 627.7378.

Florida’s “no-fault” coverage requirements (FS 627.736) mandates personal injury protection to the named insured, relatives residing in the same household, persons operating the insured motor vehicle, passengers in the motor vehicle, and other persons struck by the motor vehicle and suffering bodily injury while not an occupant of a self-propelled vehicle, subject to subsection (2) and paragraph (4)(e), to a limit of $10,000 in medical and disability benefits and $5,000 in death benefits resulting from bodily injury, sickness, disease, or death arising out of the ownership, maintenance, or use of a motor vehicle.

Any change in “no fault” personal injury mandates will not affect comprehensive coverage for windshield damages. Two totally separate animals.

With that said, IMHO, the estimated 4.3% projected savings each year may not be worth the risk of totally eliminating the mandated “no fault” coverage.

I recently filed an insurance claim for a broken windshield in Florida. Agent said it was a comprehensive claim.