Assurance America windshield replacement Arizona and Florida
We're a mobile auto glass shop serving Arizona and Florida. Tell us you're insured with Assurance America and we'll verify your coverage, handle the claim paperwork, and come to you — usually next-day.
Will Assurance America charge you a deductible?
It depends on which state your policy was written in — the two states run completely different rules.
Arizona
If your policy includes optional zero-deductible full-glass coverage, your deductible is $0. Otherwise, your comprehensive deductible applies. A.R.S. § 20-264.
Florida
With qualifying comprehensive coverage, Florida waives the windshield deductible. Door, rear, quarter and sunroof glass use the policy's normal deductible. Fla. Stat. § 627.7288.
Bang AutoGlass job records include 50+ billed jobs associated with Assurance America policies across Arizona and Florida. This job history does not imply endorsement or partnership with Assurance America.
General information, not legal or insurance advice — coverage varies by policy, and we confirm yours free before any work. Full state rules: the Arizona full glass guide · the Florida windshield law guide.
How to file with Assurance America
- 1. Open the glass claim with Assurance America.Most carriers take glass claims through their app, their website, or the claims number on your policy card — say "glass only" and it's usually the fastest lane they have.
- 2. Answer the basics.They'll ask for your policy number, the date the damage happened, and which glass is damaged — plus roughly where the break sits and how big it is.
- 3. Write down the number they give you. Some carriers issue a claim number directly; others route glass through an administrator and hand you a referral number instead. Either one is all we need — the notes below cover what to expect from Assurance America.
- 4. Or skip all of it. Tell us it's an Assurance Americapolicy and we file the claim with you start to finish — that's included, not an add-on.
What to have ready
- Your claim number — if you already filed
- Your policy number — if you haven't
- Year, make, and model
- The VIN, if it's reachable — two same-trim cars can take different glass
- The ZIP code where the car will be parked
Missing something? Start anyway — we'll fill the gaps with you on the phone.
How an Assurance America glass claim works with us
- 1. You call or book online. Tell us it's an Assurance America policy and give us your vehicle, the damage, and where you want us to meet you.
- 2. We verify your coverage — free. We confirm what your policy actually covers before anything is scheduled, so there are no surprises.
- 3. We handle the claim paperwork. We file it and walk you through anything Assurance America needs from you directly.
- 4. We come to you. Home, work, or roadside — most jobs take 30–45 minutes, plus recalibration where your vehicle needs it.
14,000+
Windshields replaced
4.7
Rated on Google
200+
Cities across AZ & FL
52
Vehicle makes serviced
Every windshield replacement comes with OEM-quality glass, a lifetime workmanship warranty for as long as you own the vehicle, and ADAS recalibration to factory spec when the vehicle needs it.
AssuranceAmerica sells auto coverage in tiers, so the first question on a glass claim is whether comprehensive is actually on your vehicle. Once it is, Arizona and Florida handle the deductible very differently. Here is what happens next, and why the mostly older cars on these policies change the job.
Assurance America claims in Arizona
Arizona gives you three protections worth knowing before you file. Under A.R.S. § 20-264, every insurer selling comprehensive coverage in Arizona — Assurance America included — must offer you a zero-deductible full safety-glass option. If you carry it, your windshield replacement is $0 out of pocket. Under A.R.S. § 20-263, an insurer may not raise your premium over an accident you did not cause — the normal treatment for glass damage from road debris. And under A.R.S. § 20-469, the choice of glass shop is yours — not your insurer's.
We serve the Valley and beyond: Phoenix, Mesa, Scottsdale, Tempe, and every Arizona city we serve. Full detail on state coverage rules is on our Arizona insurance guide.
Assurance America claims in Florida
Florida is the strongest windshield state in the country for drivers. Under Fla. Stat. § 627.7288, an auto policy with comprehensive coverage must replace your windshield with no deductible — so an Assurance America comprehensive policy generally means $0 out of pocket on a windshield replacement. The statute covers windshield replacement specifically; door, quarter, rear, and sunroof glass follow your normal deductible.
We serve Tampa Bay, Orlando, Miami, West Palm Beach, Jacksonville, St. Petersburg, Clearwater, and cities across Florida. The full statute breakdown is on our Florida windshield law page.
Where we come to you in Arizona and Florida
Assurance America glass claims — common questions
Does my AssuranceAmerica policy cover windshield replacement?+
It depends on which coverage tier you bought. AssuranceAmerica sells auto coverage in tiers, from a minimum-limits liability policy up through tiers that include comprehensive and collision. Glass is covered under comprehensive. Check your declarations page for a comprehensive (COMP) line on the specific vehicle with the broken glass — coverage is listed per vehicle, so one car on a policy can carry it while another does not. If comprehensive is there, you have a glass claim to file. If the vehicle is liability-only, the replacement is handled as a customer-pay job.
Will I pay a deductible on the windshield in Florida or Arizona?+
The two states are not the same. In Florida, Florida law (Fla. Stat. 627.7288) requires insurers to waive the deductible for windshield replacement when the policy includes comprehensive coverage — windshield only, so door, quarter, rear and sunroof glass remain subject to your deductible. In Arizona, Arizona law (A.R.S. 20-264) requires insurers to OFFER optional no-deductible safety-glass coverage. That is an option you had to elect, not something automatic. If you elected it, the claim can run without a deductible; if not, your standard comprehensive deductible applies. Look for a safety glass or full glass endorsement on your declarations page.
Do I need a referral or dispatch number before booking the replacement?+
Usually not. AssuranceAmerica glass claims are typically opened directly with the carrier's own claims line rather than routed through a separate third-party glass administrator, so what you generally end up with is a claim number and an adjuster contact rather than a referral or dispatch number. Give us the claim number and we can schedule from there. Either way, in both Arizona and Florida the driver chooses their own glass shop, so no number and no phone routing changes who does the work. We are mobile-only and come to the vehicle, with next-day as the normal target.
Do I file the Assurance America claim myself?+
You don't have to. Tell us it's an Assurance America policy when you book and we handle the claim paperwork and walk you through the filing — that's included, not an add-on. Have your policy number and the date the damage happened handy and we take it from there.
Will a glass claim raise my Assurance America premium?+
Glass claims are filed under comprehensive coverage. Arizona law (A.R.S. § 20-263) restricts an insurer from increasing a premium as a result of an accident the insured did not cause or significantly contribute to. How a particular glass claim is treated depends on the facts, your policy, and Assurance America's rating practices — ask Assurance America directly if this is a concern.
How fast can you replace my windshield?+
Next-day appointments are typically available across Arizona and Florida, and we come to you — home, work, or roadside. Booking is open 24/7 online or by phone at (877) 994-5277. We confirm your exact window once we've verified your glass and your Assurance America coverage.
Other carriers we bill
Legacy Insurance Services · Dairyland · Common Wealth · Mercury Indemnity Company of America · United Insurance Company · Trexis · Nationwide · Tesla Insurance · Farm Bureau · HiRoad · Just Insure · Stonegate · Peak · Equity · The Hartford · Gainsco · Amshield · American Hallmark Insurance Company of Texas · Fred Loya · Aall · Star Casualty · Clearcover · American Access Casualty · Country Financial
Don't see yours? Browse all carrier claim guides or just call (877) 994-5277 — we verify coverage and file the claim for you.
Need help with a Assurance America glass claim?
We verify coverage and file the claim for you. Mobile service and next-day availability in most areas.