Auto-Owners windshield replacement Arizona and Florida
We're a mobile auto glass shop serving Arizona and Florida. Tell us you're insured with Auto-Owners and we'll verify your coverage, handle the claim paperwork, and come to you — usually next-day.
Will Auto-Owners 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 Auto-Owners policies across Arizona and Florida. This job history does not imply endorsement or partnership with Auto-Owners.
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 Auto-Owners
- 1. Open the glass claim with Auto-Owners.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 Auto-Owners.
- 4. Or skip all of it. Tell us it's an Auto-Ownerspolicy 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 Auto-Owners glass claim works with us
- 1. You call or book online. Tell us it's an Auto-Owners 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 Auto-Owners 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.
Auto-Owners policies reach us through both our Arizona and Florida service areas, and the glass side of the claim is handled a little differently than most carriers. Here is what actually happens between the crack in your windshield and a new one installed in your driveway.
Auto-Owners 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 — Auto-Owners 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.
Auto-Owners 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 Auto-Owners 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
Auto-Owners glass claims — common questions
Auto-Owners gave me a referral number and a claim number. Which one does Bang need?+
Both, ideally. Auto-Owners administers auto glass claims through a third-party glass administrator, so you are typically issued a referral or dispatch number alongside the claim number on your policy. The claim number identifies the loss; the referral number is what ties our invoice back to the authorized glass file. If you only have one of them, call us anyway — we will tell you exactly what to ask for and who to ask.
The glass administrator scheduled me somewhere else. Can I still use Bang?+
Yes. Auto-Owners' published glass program states that glass work may be performed at the shop of your choice, and both Arizona and Florida law recognize the driver's right to select their own glass shop. The administrator coordinates the claim; it does not decide who installs your glass. You can name Bang AutoGlass at intake, or call us after the fact and we will pick up the existing file.
Will I pay a deductible on my Auto-Owners windshield?+
It depends on which state issued the policy. 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, not door, quarter, rear or sunroof glass. In Arizona, Arizona law (A.R.S. 20-264) requires insurers to offer optional no-deductible safety-glass coverage, which means it applies only if you elected that option. Your independent agent can read your declarations page and confirm which endorsements are on the policy.
Do I file the Auto-Owners claim myself?+
You don't have to. Tell us it's an Auto-Owners 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 Auto-Owners 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 Auto-Owners's rating practices — ask Auto-Owners 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 Auto-Owners coverage.
Other carriers we bill
United Automobile · Safeway · Assurance America · 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
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 Auto-Owners glass claim?
We verify coverage and file the claim for you. Mobile service and next-day availability in most areas.