Will insurance cover my windshield?
Yes, with comprehensive coverage. In Florida, or with Arizona's full-glass option, your cost can be $0.
Check your glass coverage by state
Choose Arizona or Florida. See what state law says, then call for a free coverage check before you schedule.
Arizona full-glass option
A.R.S. § 20-264 requires insurers that write comprehensive coverage to offer a full-glass option without a deductible, and it applies only if you elected it.
Where we come to you
We serve the Phoenix area (about 50 miles) and the Tucson area (about 30 miles), plus the cities listed on our Arizona page.
Florida windshield deductible rule
Under Fla. Stat. § 627.7288, Florida's windshield deductible does not apply when your policy has comprehensive coverage; side, rear and quarter glass keep the normal deductible.
Where we come to you
We serve Orlando, Jacksonville, Tampa, Miami, West Palm Beach and the Fort Myers area.
Get a free coverage check
Call with your policy details. We check what your policy covers, explain any deductible, and help you choose the next step.
“The company kept me informed throughout the entire process and were very accommodating in setting up a convenient appointment to change my windshield. The installer was very efficient and detail oriented. The installation was fast and my vehicle was left clean when finished.”
We help you file your glass claim
You stay in control. We check your coverage, help you file the claim, replace the glass, and bill the insurer directly.
Tell us what broke
Call or request a quote. Share your vehicle, the broken glass, and where the car will be.
Check your coverage
We run a free coverage check before work starts. We explain what the policy covers and any deductible that may apply.
File your claim
You file the claim. We help you through each step and answer questions, but we do not file it for you. When you open the claim, you can ask for Bang AutoGlass by name.
We come to you
Most jobs take 30–45 minutes. We bill the insurer directly. We offer calibration during the same visit where the procedure can be done on site.
Find your insurer's glass claim guide
Search our guides for the steps used in each insurer's glass claim process. Bang AutoGlass is independent and does not represent an insurer.
- No guide found. Call us so we can check your coverage and explain the next step. (877) 994-5277
Browse all claim guides
- AAA
- Aall
- Aegis Security
- Allstate
- American Access Casualty
- American Family
- American Hallmark Insurance Company of Texas
- Amshield
- Assurance America
- Auto-Owners
- Bristol West
- Clearcover
- Common Wealth
- Country Financial
- Dairyland
- Direct General
- Equity
- Esurance
- Falcon
- Farm Bureau
- Farmers Casualty
- First Acceptance
- Fred Loya
- Gainsco
- GEICO
- HiRoad
- Infinity
- Just Insure
- Legacy Insurance Services
- Liberty Mutual
- Main Street America Protection
- Mendota
- Mercury Indemnity Company of America
- National General
- Nationwide
- Ocean Harbor
- Peak
- Peoples Trust
- Progressive
- Root
- Safeco
- Safeway
- Security National
- Star Casualty
- State Farm
- Stonegate
- Tesla Insurance
- The General
- The Hartford
- Toyota Insurance
- Travelers
- Trexis
- United Automobile
- United Insurance Company
- USAA
- West Bend
What to have ready
- Claim number, if you already filed
- Policy number, if you have not filed
- Vehicle year, make, and model
- VIN, if you can reach it
- Address where the car will be parked
Start anyway. We can fill in missing details with you on the phone.
Compare Arizona and Florida glass coverage
The states treat glass claims differently. Use this chart for a quick view, then let us check your policy before you schedule.
A.R.S. § 20-264
Optional coverage for named safety equipment
Fla. Stat. § 627.7288
Windshield damage only
How each state treats common vehicle glass
Windshield
- With elected option, no deductible; otherwise comprehensive deductible
- § 627.7288: Florida's deductible does not apply with comprehensive
Door, rear and quarter glass
- With elected option, no deductible; otherwise comprehensive deductible
- Normal comprehensive deductible applies
Sunroof glass
- Policy terms apply; sunroof is not named in § 20-264
- Normal comprehensive deductible applies
What you need
- Elect the full-glass option for no-deductible coverage
- Comprehensive or combined additional coverage
| Glass | Arizona | Florida |
|---|---|---|
| Windshield | With elected option, no deductible; otherwise comprehensive deductible | § 627.7288: Florida's deductible does not apply with comprehensive |
| Door, rear and quarter glass | With elected option, no deductible; otherwise comprehensive deductible | Normal comprehensive deductible applies |
| Sunroof glass | Policy terms apply; sunroof is not named in § 20-264 | Normal comprehensive deductible applies |
| What you need | Elect the full-glass option for no-deductible coverage | Comprehensive or combined additional coverage |
General information, not legal or insurance advice; coverage details vary by policy. We check your exact coverage before work.
Auto glass insurance questions
Does insurance cover windshield replacement?
Can my insurer make me use a specific glass shop?
Will a glass claim raise my rates?
Can insurance cover door or rear glass?
What if I do not have the coverage I need?
How does the free coverage check work?
Do you work with my insurer?
General information, not legal or insurance advice; coverage details vary by policy. Statutes can apply differently based on the claim and policy terms.
Check your coverage before you schedule
Call for a free coverage check or send your vehicle details for a free quote. We help you file the claim and come to you.
Call (877) 994-5277- 4.74.7out of 5 stars on Google
- 350+reviews across our Google profiles
- 14,000+completed installs
- Latest review: September 2026