Glas Tek is not only approved by your insurance company but is also a preferred auto glass repair provider in Arizona for most major carriers. We accept all insurance contract pricing and provide a nationwide lifetime warranty for your complete satisfaction and security. What this means is that there will never be any extra out-of-pocket expenses for your insurance company, or for you. We accept all major insurance companies including; State Farm, Allstate, Farmers, Liberty Mutual, Hartford, Nationwide, Allied, Travelers, Progressive, Esurance, Geico, American Family, USAA, AAA, Safeco, AIG, and many many others.
Auto Glass Repair Insurance Program
It is imperative for you to know that policyholders of Arizona have the right to pick any auto glass replacement shop you wish to perform the work on your car.
General questions that your insurance company representative will ask to open an auto glass repair claim:
What is your insurance policy number?
Please be aware that several insurance providers have different policy numbers for each car.
What is the person’s name on the policy?
(The individual named on the insurance card) Most insurance providers will only accept the auto glass repair claim from the person named on the policy.
Which piece of glass on the automobile received the damage?
Was it the windshield, vent glass, door glass, back glass or quarter glass? (Front, back, rear, drivers, passenger, top, bottom?)
Was there any more damage besides auto glass?
Please be aware if there is body damage or stolen items: You may have to pay your comprehensive deductible if the answer is yes. If you do have additional damage besides auto glass, be sure to decide if the damage is under or over you the comprehensive deductible amount. If the repair costs will be at that cost, you may NOT want to claim any additional damage if you carry the auto glass replacement endorsement. Typically, if you carry full glass coverage and you have a $500 comprehensive deductible and you are claiming other damage besides auto glass, your insurance company will make you pay for the auto glass repair and the damage up to your $500 deductible before they pay any additional costs.
Was anyone hurt because of this breakage?
Again, if the answer is yes, it will fall under your comprehensive deductible and not under your auto glass replacement endorsement.
Was there an auto glass repair claim filed with your insurance provider?
If you only talked to your agent and no claim number was issued, the answer is no.
What was the date of the loss?
Please note: Your insurance provider is unable to choose the date. If you do not remember the precise date, choose a date when you suspect the damage could have happened, like when you first saw it, or the day the break spread. Make sure your coverage existed during this time. In addition: If you choose a date, within the last six months or more, your insurance provider may have to look back through the information and it may hold up your claim.
In what state did the auto glass breakage occur?
Typically, the answer is Arizona.
Is the broken area on the windshield bigger than a dollar bill?
Be aware if your answer is yes: Your insurance company may request that you have the auto glass repaired instead of replaced. However, if you want it replaced versus repaired, let your insurance company know this. It is unclear who has the final say; you, your insurance company, Arizona Department of Transportation, or the auto glass repair shop. However, we believe that you pay for the coverage, therefore, you should have the final say. Furthermore, the State of Arizona made requiring insurance companies to add this additional coverage at a low cost so that Arizona drivers do not have to drive with broken windshields that impair their vision.
Please note; that several insurance providers require random windshield inspections before authorization can be given to the auto glass repair shop. These random inspections are to determine if the windshield can be repaired versus replaced or if the windshield is broken at all. Insurance companies that are noted to participate in this practice include; American Family, Geico, and USAA.
We believe that these inspections are just a way of delaying the claim and making auto glass repair claim processing more difficult (an illegal practice) so that policyholders won’t take advantage of their coverage. Realistically, if a windshield is smaller than the size of a dollar bill and the policyholder wants it replaced who’s to stop the policyholder from delaying the claim until the windshield breaks to the point beyond repair. Or, if the windshield is not broken, what stops them from breaking it? (Glas Tek does not condone this kind of unethical behavior)
These insurance companies try to claim that they perform these random inspections to protect you from increased rates due to fraudulent claims. However, auto glass repair claims are filed directly by the policyholder themselves. Therefore, it seems to me that these insurance companies do not trust their own policyholders.
Once they receive the auto glass repair claim, the majority of insurance providers are able to authenticate the coverage that the policyholder had coverage at the time of the damage to the windshield, giving the auto glass repair shop authorization to finish the work. Even so, some insurance providers must utilize a verification method offline because the TPA cannot access the policy information directly. When this occurs, the TPA emails your insurance provider for proof of coverage and then calls later. In these situations, they do not authorize us to perform the repair until verification of coverage. It usually takes about twenty-four hours. In an emergency, Glas Tek directly calls the agent for the details.
Arizona Auto Glass Repair and Your Insurance Company
Most major insurance businesses utilize third-party administrators (TPA) such as Safelite Solutions or LYNX Services to file auto glass repair claims on their behalf. A favored member, Glas Tek is supported by both of these TPA’s and is a member of their auto glass repair program. Safelite Solutions handles the auto glass repair claims on behalf of insurance companies including Farmers, Liberty Mutual, Hartford, Nationwide, Progressive, Geico, American Family, and USAA. All auto glass repair claims must be filed through Safelite Solutions. Safelite Solutions is owned and operated by Safelite Auto Glass but is ran as a separate entity.
Sometimes these insurance companies or agents may softly persuade you to use Safelite Auto Glass as your auto glass repair shop. But, realize by Arizona law, you have the right to choose your own auto glass repair shop. In addition, Safelite Auto Glass will not give you $50 cash or waive your deductible for utilizing their company. In addition, Glas Tek offers the same nationwide lifetime warranty and charges your insurance company the same contracted price.
Another major third-party glass administrator is LYNX Services. Glas Tek is a member of LYNX Services as well, meaning we accept and honor all insurance contract pricing. The one major insurance companies that utilize LYNX Services for their auto glass repair claim processing is State Farm. It is now mandatory that every policyholder when filing damages for an auto glass repair or replacement must be present on the line. (To eliminate fraudulent claims) Glas Tek will assist you in filing your auto glass repair claim by connecting you directly to the TPA handling your insurance company’s glass claims. We will first answer all of your questions or concerns making the call as comfortable as possible for you. In addition, we will stay on the line during the entire process so that we can assist you in any way possible.
Third-party administrators (TPA) may or may not have access to your entire insurance policy directly. Therefore, please have your insurance policy number available. Usually, it takes about ten-fifteen minutes to file a complete auto glass repair no-fault insurance claim.