United Insurance Company windshield replacement Arizona and Florida

It depends on one thing: whether the optional coverage was elected on your policy. Arizona law (A.R.S. 20-264) requires insurers to OFFER optional no-deductible safety-glass coverage. It is an offer the driver must have accepted, not something that applies automatically. If you elected it, a windshield replacement should carry no deductible; if you did not, your comprehensive deductible applies as it would on any other comprehensive claim. Your declarations page will show it, or you can ask the adjuster directly. If you instead hold a Florida policy, a different rule governs: 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.

No. In both Arizona and Florida, the driver chooses their own glass shop. You may be pointed toward a network provider during the call, which is a normal part of how many insurers handle glass, but the decision is yours to make. On these policies you will usually be working directly with an adjuster rather than a third-party glass administrator, so there is often no dispatch number involved at all. If you are handed a referral or dispatch number, keep it for reference — it does not assign your vehicle to anyone. Give us the claim number and VIN and we will handle the billing side with the carrier.

If your windshield carries a forward-facing camera behind the rearview mirror — Toyota Safety Sense, Honda Sensing, Nissan Safety Shield, or the forward-collision system on a later Jeep — then yes. Those systems are aimed relative to where the camera sat in the old glass, so moving the glass means the camera has to be re-aimed for lane keeping, automatic emergency braking and adaptive cruise to read the road correctly. Treat it as part of the replacement, not an extra. Mention it on your first call with the adjuster so it is authorized alongside the glass rather than raised afterward. Some procedures, Honda Sensing in particular, need a level surface and clear space around the vehicle, so a steeply sloped driveway may not work as the location.

You don't have to. Tell us it's a United Insurance Company 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 Insurance Company's rating practices — ask United Insurance Company 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 Insurance Company coverage.