AAA glass claims in Florida
AAA Windshield Replacement in Florida
A AAA membership card isn't the same thing as AAA auto insurance. Windshield coverage comes from an AAA auto insurance policy with comprehensive coverage — and on a Florida policy, the deductible doesn't apply to windshield damage.
- $0 with comprehensive on a Florida policy (Fla. Stat. 627.7288)
- You choose the shop — not your insurer (Fla. Stat. 627.7291)
- We help you open the claim and handle scheduling
- Mobile install at your home or work
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AAA policyholder? We'll verify your coverage first.
Does AAA cover windshield replacement in Florida?
Yes — if your AAA auto policy was issued in Florida and includes comprehensive coverage. Under Florida Statute 627.7288, the deductible doesn't apply to windshield damage, so most AAA policyholders pay $0 for a repair or replacement.
The waiver covers the front windshield; side and rear glass follow your normal comprehensive deductible. Liability-only policies don't cover damage to your own glass, and policies written in another state follow that state's rules. Not sure what you have? Send us your policy details and we'll check before you do anything.
How to file a AAA windshield claim
- Find the claims contact on your AAA auto insurance card or in your online account. AAA insurance is run by regional clubs, so use the one listed on your Florida policy.
- Report the glass damage and say you're choosing your own glass shop.
- Send us your claim number and we'll schedule your mobile replacement.
Prefer help? Call us at (941) 290-7667 — we can walk you through the call with AAA and book your appointment on the spot.
Can I choose my own glass shop with AAA?
Yes. Florida Statute 627.7291 says an insurer can't require you to use a particular glass company — that includes AAA-affiliated insurers.
Good to know
- Roadside assistance and other membership benefits don't cover glass. The windshield claim goes through the comprehensive coverage on your AAA auto insurance policy.
- Report glass damage promptly — small chips spread fast in Florida heat.
AAA windshield claim FAQ
Does AAA cover windshield replacement in Florida?
Yes, if your AAA auto policy was issued in Florida and includes comprehensive coverage. Florida Statute 627.7288 says the deductible doesn't apply to windshield damage, so the replacement is typically $0. Liability-only policies don't cover damage to your own glass.
Can I choose my own glass shop with AAA?
Yes. Florida Statute 627.7291 says an insurer can't require you to use a particular glass company — that includes AAA-affiliated insurers.
Who files the windshield claim — me or the glass shop?
You do. For policies issued or renewed on or after July 1, 2023, Florida law (s. 627.7289) doesn't allow glass benefits to be assigned to a repair shop, so the claim stays in your name. We walk you through it, usually in one short call.
Will a windshield claim raise my AAA rates?
Windshield claims fall under comprehensive coverage and aren't at-fault accidents, so they usually don't affect rates the way at-fault accidents can. Florida law doesn't specifically bar insurers from considering claim history, so ask AAA if you're concerned.
Does my AAA membership cover a cracked windshield?
Membership benefits like roadside assistance don't pay for glass. If you have AAA auto insurance with comprehensive coverage on a Florida policy, the windshield claim is typically $0 under Florida Statute 627.7288.
Other insurance companies
Our services
- Windshield Chip & Crack Repair
- ADAS Camera Calibration
- Fleet & Commercial Windshield Replacement
- Rideshare Driver Windshield Replacement
- Florida service areas →
MyFreeWindshield is an independent auto glass company. We are not affiliated with, endorsed by, or sponsored by AAA. AAA is a trademark of its respective owner.
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