United Automobile windshield replacement Arizona and Florida

If your policy includes comprehensive coverage, yes. Florida law (Fla. Stat. 627.7288) requires insurers to waive the deductible for windshield replacement when the policy includes comprehensive coverage. Two caveats matter. The waiver applies to the windshield only — not door glass, quarter glass, back glass or a sunroof panel, which go through the policy with your deductible applying normally. And it depends entirely on carrying comprehensive: a Florida policy written to the state minimums of PIP and property damage liability does not include it. Check your declarations page for a line reading "Comprehensive" or "Other Than Collision" before you file.

Glass claims on these policies are often coordinated through a third-party glass administrator rather than handled directly by a claims adjuster, so you will typically be issued a referral or dispatch number covering the glass portion of the loss. Keep it — a shop uses that number to pull up the authorization, and not having it is the most common reason a job starts late. It does not commit you to a specific installer. Florida drivers choose their own glass shop. If you were given a number and a shop name together, you can bring the number to us instead. Have your VIN handy too, since that is what confirms the correct glass.

Availability is rarely the problem on the Toyotas, Nissans, Fords and Chevrolets we most often see on these policies — glass for older Camrys, Altimas, F-150s and Silverados is well supported. What changes is the prep. Older models came in several windshield configurations depending on whether the vehicle has a rain sensor, an antenna element in the glass or a shade band, so we match the part to your VIN rather than the model year. Beyond that, Florida sun makes cowl panels and A-pillar moldings brittle, and vehicles that have already had a windshield replaced sometimes have corrosion or leftover urethane on the bonding flange that has to be addressed before the new glass goes in. We check for all of it before committing to a finish time.

You don't have to. Tell us it's a United Automobile 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.

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 United Automobile's rating practices — ask United Automobile directly if this is a concern.

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 United Automobile coverage.