Direct General windshield replacement Arizona and Florida
We're a mobile auto glass shop serving Arizona and Florida. Tell us you're insured with Direct General and we'll verify your coverage, handle the claim paperwork, and come to you — usually next-day.
Will Direct General 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 100+ billed jobs associated with Direct General policies across Arizona and Florida. This job history does not imply endorsement or partnership with Direct General.
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 Direct General
- 1. Open the glass claim with Direct General.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 Direct General.
- 4. Or skip all of it. Tell us it's a Direct Generalpolicy 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 a Direct General glass claim works with us
- 1. You call or book online. Tell us it's a Direct General 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 Direct General 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.
Almost every Direct General policy we replace glass under is a Florida policy, so this page is written for Florida first. Below: how the deductible rule actually works under your comprehensive coverage, what to have ready when you call the glass line, and what changes depending on whether your vehicle has a windshield-mounted camera.
Direct General 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 — Direct General 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.
Direct General 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 a Direct General 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
Direct General glass claims — common questions
Does Florida law mean my Direct General windshield replacement costs me nothing out of pocket?+
Only if your policy includes comprehensive coverage. Florida law (Fla. Stat. 627.7288) requires insurers to waive the deductible for windshield replacement when the policy includes comprehensive coverage. If your declarations page shows liability only, there is no comprehensive coverage for that statute to attach to and glass is not a covered peril. Check your declarations page before you call — it is the single most useful thing you can do first. Note also that the statute covers the windshield and nothing else; door, quarter, rear and sunroof glass fall outside it.
Will I be given a referral or dispatch number to track?+
Usually not. Direct General runs a claims line with a glass-only option and a third-party glass administrator coordinates behind it, but in our experience these claims reach us with a straightforward claim number rather than a separate referral or dispatch number. That means there is generally only one reference for you to hold onto. Write it down or photograph it when it is given to you, and pass it to us along with your VIN when you book. If you are given an additional reference number of any kind, keep that too and share it — extra information never slows the job down.
Do I have to use the shop the claims line suggests?+
No. In both Florida and Arizona the choice of glass shop belongs to the vehicle owner, not the insurer. If you are offered a shop assignment during the call, you can decline it and name Bang AutoGlass instead. Give the representative our information and the claim will be routed to us. This does not affect your coverage, your deductible treatment under Fla. Stat. 627.7288, or the claim itself — it only changes who does the work and where. Since we are fully mobile, choosing us also means the vehicle never has to leave your driveway or job site.
Do I file the Direct General claim myself?+
You don't have to. Tell us it's a Direct General 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 Direct General 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 Direct General's rating practices — ask Direct General 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 Direct General coverage.
Other carriers we bill
Bristol West · Safeco · The General · First Acceptance · AAA · Auto-Owners · 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
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 Direct General glass claim?
We verify coverage and file the claim for you. Mobile service and next-day availability in most areas.