Silver SUV on a concrete driveway in front of a stucco home, tall palm trees behind

Phoenix & Tucson areasTampa, Orlando, Miami & Jacksonville areas

Will insurance cover your windshield replacement?

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Usually, a windshield replacement is paid through the comprehensive part of your auto policy. Your state and the coverage you picked decide what you owe, so we check it with you before anything is booked.

Using insurance? We help you file your claim and bill your insurer directly. For a windshield, that’s often $0 out of pocket, depending on your policy.

Prefer to text? (877) 350-5962 · Not sure we cover you? Check your ZIP

Free quote

Check your windshield coverage: start with the car.

Pick the glass and the vehicle, then choose insurance as the way you pay. We look at your coverage before we book. Questions first? Call (877) 994-5277.

  • Coverage checked before you book
  • We help you file your claim
  • We accept all insurance companies

Great job to the Bang Team. They replaced my windshield while I was working and made the whole process easy to understand.

Daniela CarrascalGoogle review · Tampa profileAugust 15, 2026

Step 1 of 4 · Glass

Which glass?
Your vehicle

Is there a camera behind the rearview mirror?

Unsure? Text us a photo of the glass

Where is the car?

We come to your home or work in the Phoenix and Tucson areas and the Tampa, Orlando, Miami, Jacksonville and West Palm Beach areas.

How are you paying?

Where should we send your quote?

4.7 on GoogleLifetime workmanship warrantyRather text? (877) 350-5962

A windshield with a stone-chip break and one long crack, seen from the front passenger seat, with a parking lot and palm trees outside.
Send a photo of the crack, or just the year, make and model.
The same view from the front passenger seat with the windshield removed and the bare frame edge showing against a sunny lot.
On site, the cracked windshield comes out and the frame is cleaned.
Clear new windshield glass seen from the front passenger seat, looking out at palm trees in a parking lot.
New OEM-quality glass in, and the camera checked on cars that have one.

How it works

A glass claim, start to finish.

  1. Tell us what broke, and we check your coverage. Use the quote form, call or text a photo. We match the glass to your VIN, go over your policy with you and help you open the claim. Called your insurer first? That works too.

  2. We come to the car. Monday to Saturday, 8am–6pm, at your home or work. On site, the cracked windshield comes out and the frame is cleaned.

  3. New glass in, and we bill your insurer. Most windshields take 30–45 minutes. The camera is checked on cars that have one, and we bill your insurer directly.

Arizona and Florida glass coverage at a glance

Arizona

Full glass is
your choice, an option on your policy

  • Insurers must offer it on personal auto policies with comprehensive
  • With it, windshield, door and window glass skip the deductible
  • Without it, your comprehensive deductible applies

We check which one you have before booking. Shop choice: any glass shop, unless your policy contract says otherwise (A.R.S. § 20-469).

Check my coverage

Florida

The windshield
has its own rule on a policy with comprehensive

  • The deductible doesn’t apply to windshield damage
  • Door, rear and sunroof glass: your policy’s terms and deductible apply
  • A liability-only policy doesn’t cover glass

On a personal auto policy, your insurer may not require a particular shop for windshield work (Fla. Stat. § 627.7291).

Check my coverage

Insurer guides

We accept all insurance companies.

Pick yours to see how it starts a glass claim, the number it lists and what to have ready. Bang AutoGlass is an independent auto glass company.

Don’t see yours? We still accept it. Call (877) 994-5277 and we’ll check your coverage with you.

By glass

Windshield coverage and other glass, state by state.

Both rules sit inside comprehensive coverage. Here is how they line up for the four kinds of glass we replace.

  1. Windshield

    AZ Paid without the deductible if you chose full glass coverage.

    FL The deductible doesn’t apply when your policy has comprehensive coverage.

  2. Door & side windows

    AZ Part of full glass coverage, when you chose it.

    FL Your comprehensive deductible applies.

  3. Rear (back) glass

    AZ A window, so full glass coverage reaches it when you chose it.

    FL Your comprehensive deductible applies.

  4. Sunroof glass

    AZ Not named in the law; your policy’s own terms decide.

    FL Not part of the windshield rule; your policy’s terms and deductible apply.

Liability-only policies don’t pay for glass in either state. We check your policy before anything is booked.

Windshield insurance questions.

Have your policy handy? Call (877) 994-5277, answered 24/7, or text a photo of the damage to (877) 350-5962.

Does car insurance pay for a new windshield?

Usually, if your policy has comprehensive coverage, the part that pays for damage from rocks, storms, falling branches and break-ins. A liability-only policy doesn’t pay for glass. We check which you have before anything is booked.

Will I pay a deductible for windshield replacement?

It depends on your state and policy. In Arizona, a windshield is paid without the deductible if you chose full glass coverage; without it, your comprehensive deductible applies. In Florida, the deductible doesn’t apply to windshield damage when your policy has comprehensive coverage. Many drivers pay $0 out of pocket, and we confirm your share before the visit.

Should I call my insurance company or you first?

Either works. Call us first and we check your coverage, then help you open the claim. If you’ve already opened it, send us the claim number and we’ll set up the visit with you.

Can my insurance company choose the shop for me?

In Arizona, you can choose any glass shop unless your policy contract says otherwise, and an insurer that suggests a shop has to tell you that. In Florida, on a personal auto policy, your insurer may not require a particular company for windshield work; if you accepted a discount for a set repair arrangement, check your policy.

Will a glass claim raise my insurance rates?

Ask your insurer or agent. Rating rules vary by company and policy, and we can’t predict them. What we can do is show you the price of paying yourself, so you can compare it with your deductible.

Does insurance cover sunroof glass?

Often under comprehensive coverage, with your normal deductible. Neither Arizona’s full glass law nor Florida’s windshield rule names sunroof glass, so your policy’s own terms decide. We check before booking. Sunroof glass replacement.

Is camera calibration part of a windshield claim?

When your car’s forward camera needs it after a new windshield, calibration is part of the job, done in the same visit where it can be done on site. We confirm how your policy handles it when we check your coverage. About ADAS calibration.

Which insurance companies do you work with?

We accept all insurance companies. Bang AutoGlass is an independent auto glass company: we check your coverage, help you file your claim and bill your insurer directly.

Mon–Sat, 8am–6pm

Not sure what your policy covers? We’ll check it with you.

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