Mercury Indemnity Company of America windshield replacement Arizona and Florida
We're a mobile auto glass shop serving Arizona and Florida. Tell us you're insured with Mercury Indemnity Company of America and we'll verify your coverage, handle the claim paperwork, and come to you — usually next-day.
Will Mercury Indemnity Company of 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.
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 Mercury Indemnity Company of America
- 1. Open the glass claim with Mercury Indemnity Company of 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 Mercury Indemnity Company of America.
- 4. Or skip all of it. Tell us it's a Mercury Indemnity Company of 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 a Mercury Indemnity Company of America glass claim works with us
- 1. You call or book online. Tell us it's a Mercury Indemnity Company of 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 Mercury Indemnity Company of 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.
Mercury Indemnity Company of America policies show up on our schedule in both states we serve, and Arizona and Florida handle glass deductibles in completely different ways. Here is which rule applies to your policy, what to have ready when you file, and what your model year changes about the replacement itself.
Mercury Indemnity Company of 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 — Mercury Indemnity Company of 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.
Mercury Indemnity Company of 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 a Mercury Indemnity Company of 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
Mercury Indemnity Company of America glass claims — common questions
I have a Florida-written Mercury Indemnity policy and my back glass shattered. Is that deductible waived too?+
No. Florida law (Fla. Stat. 627.7288) requires insurers to waive the deductible for windshield replacement when the policy includes comprehensive coverage — and it applies to the front windshield only. Rear glass, door glass, quarter glass and sunroof panels are ordinary comprehensive claims with your normal deductible. Have your claim number ready when you call and we will schedule the replacement at your home or workplace.
My policy is written in Arizona. Does that mean my windshield is automatically no-deductible?+
Not automatically. Arizona law (A.R.S. 20-264) requires insurers to OFFER optional no-deductible safety-glass coverage — it is an option you have to have elected, not something every policy carries. Look at your declarations page for a separate safety glass or full glass line. If it is there, ask your carrier what it covers. If it is not, your comprehensive deductible applies as usual.
Will I be given a referral or dispatch number, and does it decide who replaces my glass?+
On the Mercury Indemnity claims we see, there usually is not one — these are typically handled with the carrier directly, so you generally just need the claim number. If you are given a referral or dispatch number, keep it and pass it to us. Either way, in both Arizona and Florida you choose your own glass shop; a referral number does not assign the work to anyone.
Do I file the Mercury Indemnity Company of America claim myself?+
You don't have to. Tell us it's a Mercury Indemnity Company of 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 Mercury Indemnity Company of 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 Mercury Indemnity Company of America's rating practices — ask Mercury Indemnity Company of 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 Mercury Indemnity Company of America coverage.
Other carriers we bill
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 · Peoples Trust · Security National · Main Street America Protection · Falcon
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 Mercury Indemnity Company of America glass claim?
We verify coverage and file the claim for you. Mobile service and next-day availability in most areas.