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Insurance claim help

Auto-Owners windshield claim

Auto-Owners may show a reference number. Call us first. Many drivers in AZ and FL pay $0 out of pocket.

Free coverage check. We help you file the claim.

Same-day appointments available

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  1. Call Bang AutoGlass first
  2. Open the claim with Auto-Owners
  3. We come to you
Pembroke Pines, Florida
A completed Bang AutoGlass mobile windshield replacement in Pembroke Pines, Florida
Start your claim

How to start an Auto-Owners glass claim

Auto-Owners uses a separate glass program for auto glass claims and says you may choose the shop that performs the work. Keep the claim number tied to your loss. If your Florida policy is issued by Southern-Owners Insurance Company, it is part of the Auto-Owners Insurance Group. Bang AutoGlass can check your coverage and help while you file.

  1. Call Bang AutoGlass first

    Auto-Owners may show a glass reference number during intake. We explain what to do with it. Call us at (877) 994-5277.

  2. Open the claim with Auto-Owners

    Use the Auto-Owners app or website, or the claims number on your policy card or declarations page. You file the claim; we can help as you do it. When you open the claim, you can ask for Bang AutoGlass by name.

  3. Save your claim details

    Have your policy details and vehicle information ready. Write down the Auto-Owners claim number and any glass reference number shown during intake.

  4. 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.

Verified against official carrier pages · Last reviewed October 2026. Bang AutoGlass is an independent auto glass company, not affiliated with or endorsed by Auto-Owners.

State coverage rules

Auto-Owners windshield coverage and your state's law

Auto-Owners policies in Arizona

A.R.S. § 20-264 requires insurers writing private passenger comprehensive coverage to offer full-glass coverage without a deductible. The policyholder must elect it. It is not automatic.

Under A.R.S. § 20-469, an Arizona insured may choose a glass repair facility unless the policy contract says otherwise.

Read the Arizona glass guide

Auto-Owners policies in Florida

Under Fla. Stat. § 627.7288, Florida's windshield deductible does not apply when the policy has comprehensive or combined additional coverage. The rule does not cover door, rear, quarter, or sunroof glass.

Fla. Stat. § 627.7291 says a person may not require a particular company or location for covered Florida personal-lines windshield claims. An insured may have accepted a policy with a windshield repair arrangement, so check the policy terms.

Read the Florida law guide

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Reviews from our Google profiles

  • Google 4.7
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  • Latest review: September 2026
  • “Outstanding work…made this process look and feel easy.”
    Steve Appel · Google review · Tampa Bay profile · June 14, 2026

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Where we come to you in Arizona

We serve the Phoenix area (about 50 miles) and the Tucson area (about 30 miles), plus the cities listed on our Arizona page.

Where we come to you in Florida

We serve Orlando, Jacksonville, Tampa, Miami, West Palm Beach and the Fort Myers area.

Check your coverage

Get help with your Auto-Owners windshield claim

Tell us about your vehicle and damaged windshield. We will call to confirm the details and help you file your claim.

What happens next

  1. We call to confirm your vehicle, glass, and location.
  2. We check your Auto-Owners coverage with you.
  3. We come to you and bill the insurer directly when coverage applies.

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.

Step 1 of 3

Where's the vehicle?

Call (877) 994-5277
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  • Latest review: September 2026
Common claim questions

Auto-Owners windshield claim questions

Which number should I keep for my Auto-Owners claim?
Keep the claim number Auto-Owners gives you and share it when you call Bang AutoGlass. If the glass intake also shows or gives you a separate reference number, save that too. If you received only one number, do not guess that another is required. Confirm with Auto-Owners which number belongs with your glass claim.
Will my Auto-Owners glass claim have a deductible?
Under Fla. Stat. § 627.7288, Florida's windshield deductible does not apply when the policy provides comprehensive or combined additional coverage. The rule is for the windshield only; other glass keeps the normal deductible. In Arizona, A.R.S. § 20-264 offers optional no-deductible coverage for covered windshield, door, and window glass only if you elected it. Otherwise, the comprehensive deductible applies.
Can Auto-Owners require a certain glass shop?
Auto-Owners says its glass program allows work at the shop you choose. In Arizona, A.R.S. § 20-469 protects that choice unless your policy contract says otherwise. In Florida, Fla. Stat. § 627.7291 says a particular company or location cannot be required for a covered personal auto windshield claim. An accepted policy may contain a windshield repair arrangement, so confirm its terms with Auto-Owners.
Does an Auto-Owners claim include ADAS calibration?
Do not assume every Auto-Owners claim includes ADAS calibration. Coverage depends on your policy, vehicle, and claim, so confirm it with Auto-Owners. If your vehicle requires calibration after windshield replacement, Bang AutoGlass can provide calibration during the same visit where the procedure can be done on site.
Will an Auto-Owners glass claim raise my premium?
Auto-Owners decides how the claim is treated under your policy. Ask Auto-Owners how the claim may affect your premium or renewal. We never pressure you to file a claim.

Find your insurance company

Search our claim guides for the company on your policy. Each guide shows official claim steps and state coverage rules.

Browse all insurance guides

Need help with an Auto-Owners windshield claim?

Call Bang AutoGlass for a free coverage check, claim help, and mobile windshield replacement at your home or work.

Call (877) 994-5277Schedule Appointment

Same-day appointments available

  • 4.7out of 5 stars on Google
  • 350+reviews across our Google profiles
  • 14,000+completed installs
  • Latest review: September 2026