Insurance Partner
Auto-Owners Auto Glass Claims
Auto-Owners covers windshield replacement under comprehensive coverage. Deductibles run from $0 to $1000 depending on your policy, and in Florida, Arizona, South Carolina, and Kentucky you pay nothing at all. Windshield Station files the claim, documents the work, and bills Auto-Owners directly.
Typical Deductible
Depending on your specific comprehensive policy.
Zero Deductible States
By law, Auto-Owners waives the deductible for glass repair in these states:
How Auto-Owners handles glass claims
Glass damage is a comprehensive claim, not a collision claim, so Auto-Owners assigns no fault and the claim does not carry the rating consequences of an at-fault accident. Approval for glass is typically immediate and does not require an adjuster to inspect the vehicle.
We handle the entire process: verifying your coverage, confirming your deductible before anything is scheduled, filing the claim, documenting the installation including any ADAS recalibration, and billing Auto-Owners directly. Most customers never speak to their insurer at all.
Your Auto-Owners deductible
Auto-Owners comprehensive deductibles for glass commonly fall between $0 and $1000. In Florida, Arizona, South Carolina, and Kentucky, state law or policy structure removes the deductible entirely for windshield replacement.
Chip repair is a different matter: Auto-Owners, like nearly every carrier, generally waives the deductible on repairs completely. The arithmetic is simple — a resin repair costs them a fraction of a replacement, so they would much rather pay for it today.
You choose the shop, not Auto-Owners
Auto-Owners may recommend a network installer. In the great majority of states they cannot require one, and they are obligated to pay a reasonable market rate for work performed by the shop you select.
Because we bill Auto-Owners directly at standard rates, choosing us creates no additional paperwork or cost for you. Call (888) 897-5577 with your policy number and we will handle the rest.
The Auto-Owners Claim Process
Call us with your Auto-Owners policy number
We verify your comprehensive coverage and confirm your exact deductible before anything is scheduled, so the number you hear is the number you pay.
We file the claim
We open the glass claim with Auto-Owners on your behalf and obtain the authorization. You do not need to call them.
Technician comes to you
A certified installer arrives at your home, office, or job site with the correct glass for your VIN and completes the work on site.
We bill and document
We invoice Auto-Owners directly and retain full documentation of the installation and any ADAS calibration. You receive copies for your records.
Coverage Notes
- Auto-Owners handles glass claims through local agents, which often means faster authorization.
- Repair is generally deductible-free under comprehensive coverage.
- Diminishing deductible credits may apply to a replacement claim.