Arizona Auto Insurance Requirements

Sunday, September 10th, 2017

Arizona requires that all automobiles in the state are covered by car insurance. Failure to carry this insurance can lead to a driver’s license suspension or even the suspension of your vehicle’s registration. To avoid this, you can get car insurance in Arizona quite easily by going online.

It is important to remember that if you are moving to Arizona, your old car insurance may not be acceptable. Arizona has requirements for car insurance that might be a bit higher than those found in other states, so you need to make sure that you call your insurance company as quickly as possible after moving to find out if your coverage is still adequate. In Arizona, you most have:

– Coverage for bodily image liability in the amount of at least $15,000 per person and $30,000 per accident.
– A minimum of $10,000 in Property Damage Liability Coverage
– Uninsured motorist insurance in the amount of $15,000 per person and $30,000 per accident

Even with these minimums, you might still want more coverage. You should always speak to your insurance representative to find out the best coverage for your lifestyle.

Finally, it’s important to remember that there is a safety glass coverage option in Arizona. If your insurance policy has a comprehensive deductible, you can get your safety glass replaced without having to pay out of pocket. This covers not only your windshield, but also your windows and several other glass materials on your car. For more information about auto glass insurance coverage, call Glas Tek at 602-334-1964. We can help you file your claim, check your coverages, schedule your appointment, and with full glass coverage we will bring you $50 CASH ON THE SPOT.

How Does State Farm Insurance Handle Windshield Replacements?

Monday, November 9th, 2015

Auto Glass InsuranceA large number of motorists opt for State Farm Insurance for coverage. Of course, the company’s auto insurance provides coverage that’s comparable to most insurers. Each insurance provider tends to differ on auto glass and windshield replacements, though. Policyholders might be confused as to whether State Farm covers these replacements and when.

Does State Farm cover auto glass and windshield damage?

For the most part, the company does cover repairs and replacements for auto glass. Coverage is automatic for certain situations, and claims must be filed for others. A deductible is required based upon a policyholder’s plan. However, no deductible is charged for certain incidents. State laws can then have an impact on this entire situation, too.

Collision and Comprehensive Coverage Claims

If a motorist is involved in an accident, then he or she may file a claim under collision coverage. In this case, that policyholder will pay the deductible. All covered damage to the vehicle, including damaged auto glass and windshields, will then be repaired. The average deductible for policyholders under collision coverage is $500 at the moment.

Under comprehensive coverage, auto glass is sometimes covered with no deductible required. Policyholders will have to refer to the specifics of their own plan. Laws exist in some states that make auto glass repairs and replacements free.

Filing A Separate Claim For Auto Glass And Windshields

Many State Farm insurance policies allow policyholders to submit claims for damages to auto glass. For instance, damage occurring outside of an accident, like an errant rock, is covered under these separate claims. The deductible sometimes exceeds the cost of repairs, so motorists should consider paying for repairs or replacements out-of-pocket in that case.

State Farm Insurance: More Coverage Than The Competition

When it comes to auto glass repairs and replacements, State Farm offers more coverage than many insurance providers. In the end, policyholders need to read the fine print on their coverage plans to avoid problems. Each policy covers windshield replacement under some circumstances, but not all situations are covered in the most cost-effective manner possible.

The Cost Of Auto Insurance For Drivers With Low Mileage

Wednesday, October 28th, 2015

auto glass insurance PhoenixA study by the CFA (American Consumer Federation) reveals that Progressive, Allstate and Farmers regularly charge drivers with low mileage identical fees to drivers with high mileage. In a statement to the press, the CFA said that big auto insurance firms often forgo rewarding low mileage drivers, even though these drivers are proven to make fewer claims. Actually, most of the five biggest insurers frequently offer no concessions to these drivers at all. The CFA compared quotes given for 20,000 and 5000 miles driven annually, and discovered that Allstate, Farmers and Progressive invariably quoted identical annual premiums for these distances.

The conclusion drawn by J. Robert Hunter, the CFA’s Insurance Director (who used to be the insurance commissioner for Texas), was that properly rewarding people for driving less would carry many advantages. For one thing, it would reduce their auto glass insurance fees. In addition to this, it would result in fewer uninsured drivers, air pollution, accidents and a more positive environmental impact. Yearly mileage is quite unique as a variable in windshield insurance pricing, in that it is firmly linked to accident claims and also regarded as reasonable by the majority of Americans. Interestingly, the CFA also discovered that State Farm was the only big insurer that regularly rewarded low mileage drivers – charging anything from three percent to twenty percent less to this demographic.

Insurance Claims and Mileage

The CFA reports that there is a clear correlation between lower mileage and the number of insurance claims. Insurers are said to recognize the link between losses and mileage. As part of an earnings call in May 2015, Matthew Winter (the Allstate President) mentioned that the reason for increased losses and claims was mainly due to driver mileage. Referencing numerous studies, the CFA states that data strongly suggests a relationship between smaller insurer losses and lower mileage, based on a reduced frequency of claims.

Michigan Low Mileage Insurance Practices

Hunter recommends that other states should take a leaf out of Michigan’s book, and require that car insurance firms properly incorporate mileage as a factor into their fee structure. The insurance code in Michigan rules that the quantity of miles traveled by a car insurance customer should be taken into account, when a car insurance firm is calculating what to bill the customer for cover. All car insurance policies have to be based on the average mileage driven yearly, weekly or both.

Will My Insurance Cover Cracked Windshields?

Tuesday, October 27th, 2015

auto glass insurance PhoenixWhen auto glass cracks, it is a hassle. One chip may spread, eventually cracking the whole window. It is important to get it fixed as soon as possible. Insurance may cover the damage, although it is best to check your policy, to confirm your insurance companies’ policy on glass.
When your windshield cracks, the first question in your mind may be, how much will it cost to repair? Always try to repair your existing window, instead of replacing the whole pane of glass. Although, it is often necessary to replace the entire windshield, depending upon, size, type and position of the damage. The price is factored into whether your existing window needs replacing, or can be repaired. If you carry windshield insurance, then most often it will be free, and most likely it will not affect the no claims bonus. If your existing window needs to be replaced, then it will usually be covered by your insurance. It probably will not affect your claims bonus, although you will end up paying the insurance excess. That will be stated in the details of your policy.
If your insurance policy does not cover glass repair, then the glass company can give you an estimate. If the entire window needs replacing, then the cost depends on the type of window that needs to be replaced.
How can you tell if the window needs to be repaired or replaced? To repair a chip, the size of the chip can be no bigger than a coin. The chip must be located more than 3 centimeters from the edges of the windshield. Finally, if the chip is located within the driver’s line of vision, then the chip must not be more than 10 millimeters across.

Supreme Court Ruling May Expose Insurance Agents To Lawsuits

Friday, October 23rd, 2015

A Supreme Court ruling on an insurance case in Arizona may leave insurance agents open to lawsuits. The case in question is Wilks V. Manobianco and this legal battle has been going on since 2010. An Arizona couple, Lesley Wilks and her husband Paul Wilks sued John Manobianco of the Manobianco Insurance Agency after Lesley Wilks got into an accident with another driver who happened to be uninsured. At the heart of the matter is the liability or otherwise of the insurance agent in cases where they are accused of failing to inform their clients about uninsured and underinsured motorists coverage.

In this particular case, there are documents to show that Lesley Wilks signed a waiver informing her that she was going without uninsured/underinsured motorists coverage (UIM). Attorneys for Ms. Wilks state that she signed the waiver as part of large package of insurance documents. The attorneys also claim Lesley Wilks may have been misled by the agent. This is because she told the agent she wanted a policy similar to a previous one she already had and that previous policy included UIM coverage.

The attorneys for Manobianco argue that the agent told the woman she was not going to get the UIM coverage in the policy in question. According to the attorneys of the insurance company, by signing the waiver, Lesley Wilks knew she was not going to get the UIM coverage. The case went to a Superior Court, an Appeals Court and all the way to the Supreme Court. Now, the highest court in the land has ruled that the case should be sent back to trial in Arizona.

According to the Supreme Court ruling, the waiver gives carriers a “safe harbor” but this does not apply to agents because they have a duty to care for their clients. Attorneys for the insurance company believe they will be vindicated but Mr. and Ms. Wilks also believe they have a good case. The upcoming trial will determine the correct position in this landmark case.

Auto Insurance Trackers: The Unknown Risk

Tuesday, October 20th, 2015

car insurance safetyYou signed up online for car insurance with an insurance carrier that offers the potential of lower rates upon using their tracker.  Your rates are good, but, you wonder if maybe they could be better if you used this tracker, even though it won’t change your auto glass rates.  You don’t know much about it, but decide to try it anyway to see if you can get your rates to go any lower.  What you really don’t know is that this tracker has the potential to give hackers a remote way into your car.

Computer security experts say that there is research to support claims that, in some cases, hackers can use a simple text message to disable the car’s brakes.  Although the researchers only conducted testing on one type of device, it still begs questions about all of these types of car insurance trackers.
Nearly every car in operation now has a computer port inside.  This can generally be found underneath the steering column.  It is used to access the computer networks within the car, with the intention of mechanics being able to identify problems.  The information that can be gleaned through this port is valuable to your insurance company, as it shows how and when your car accelerates, brakes, or steers.
What users of these trackers may not know is that the device uses the same cellular network as mobile phones do, so that it can receive text messages.  At the University of California, San Diego, student engineers discovered that if a specially coded text message was sent to this tracking device, the car’s breaks could be engaged remotely, and even completely disabled.  The only good news is that this experiment only seemed to work when the car was going about 5mph.  However, even more worrisome, is that the device is allowed access to the car’s internal controls.  This means your specific car can be located by the device’s IP address or phone number.

Thankfully, these types of attacks have not been seen in real life.  Lawmakers are now looking at ways to prevent them before they happen.

Geico Insurance In Hot Water

Wednesday, October 14th, 2015

Geico Insurance ArizonaThat cute little lizard seems to have gotten himself in some hot water. Recently the California Department of Insurance announced that Geico insurance is on the hook for $6 million in a settlement over discriminatory auto-insurance pricing.

The insurance company was apparently distorting the minimum auto policy of $15,000 per person and $30,000 per automobile accident to customers the company considered less desirable. Instead of the actual minimum policy rates, Geico quoted certain customers with figures as high as $100,000 per per person and a jaw-dropping $300,000 per potential auto accident. According to the California Department of Insurance—this was the lowest quote for undesirable potential customers. Unsurprisingly, these steep quotes—which instantly created sticker shock–encouraged customers to look elsewhere for insurance policies.

According to research conducted by the Consumer Federation of California who tested Geico’s website, the insurer systematically quoted significantly higher rates for any potential customer who was unmarried, had a low-paying job, unemployed, or did not hold a Bachelor’s degree from a reputable higher education institution. Gaps in insurance coverage also resulted in sky-high rates.

Geico denied the claims, but will change is business practices as per the settlement. If the company fails to do so in three years they could be fines another $6 million.

Vehicle Coverage For The Typical American Family

Thursday, October 8th, 2015

Car insurance coverageThe typical American family has a few specific insurance policies for protection against unforeseen mishaps. In addition to health and life insurance policies, families are well served by carrying adequate auto insurance. An accident or unexpected source of damage can happen to any driver in the family. Auto damage is generally addressed through liability, collision and comprehensive coverage.

Liability Coverage
Car liability coverage pays for damage to the other vehicle in an accident. Lawsuits against the responsible party are also covered by liability insurance. Liability coverage is mandatory in most states, but the minimum amount of coverage required will vary.

Collision Coverage
The collision portion of an insurance policy pays for damage to the policy holder’s vehicle in the event of an accident or a collision with another object. The coverage may be used no matter who is determined to be at fault for an accident. Mailboxes, posts, trees and bridges are some objects with which vehicles commonly collide.

Comprehensive Coverage
Comprehensive insurance is what covers damage from sources other than a collision. Theft, vandalism, animal collisions, and acts of nature that cause damage are covered under the comprehensive portion of a policy. Windshield cracks from other vehicles kicking rocks from the roadway, for example, would also be covered through a comprehensive policy.

Claim Considerations
When damage is relatively minimal, such as what is common with the need to repair auto glass, the typical American family will look at all cost considerations before filing a claim. They will assess the amount of the deductible, the amount the insurance would cover, and the potential for a hike in premiums. Depending on the circumstances, some policy holders might decide to pay for these types of repairs out of pocket. A review of the family’s auto policy can help to determine what is covered and whether to file a claim.

Geico And Allstate To Raise Premiums

Wednesday, October 7th, 2015

Phoenix windshield replacement insurance claimsTwo of the largest auto insurance providers in the United States are set to raise premiums for policyholders.

Famous for their advertisements that state the company saves customers 15% in 15 minutes, Geico has said it is raising auto premiums following disappointing underwriting results in the first quarter of 2015. Geico’s underwriting profit for that period was $160 million down from $353 million from the same period in 2014.The company also reported more claims and claims that were more severe in several major coverage areas, with its loss ratio increasing to 80.1 as opposed to 75.8 in 2014.

Premiums written by Geico underwriters totaled $5,886 in the first quarter of 2015, an increase of 10.2%. A the same time, losses and lost adjustment expenses increased 16.6%, while underwriting expenses jumped 9.5%. SNL Financial has stated that Geico is the biggest spender out of any American property and casualty insurer, paying $1.18 billion in 2013 for advertising.Geico Insurance Arizona

Even though it experienced a 13% increase in first quarter profits, Allstate the largest publicly traded auto and home insurer in the United States has indicated it will also raise auto premiums. Allstate’s underwriting income from its auto division fell 48% during the first quarter to $144 million. Tom Wilson, Allstate CEO, indicated that accidents have increased because economic activity has increased with the improving economy. Premium hikes planned for late 2015 have been implemented earlier.

According to SNL, Geico is the second largest vehicle insurer in the United States behind State Farm. In 2013, Geico had approximately 10.4% of the market share, a figure that company executives believe has grown to 10.8%.

During 2014, Geico reported writing premiums worth approximately $21 billion, a figure 9.8% higher than the previous year. Its loss ratio for 2014 was 77.7, while underwriting expenses increased to $3.4 billion.

Antitrust Cases Dismissed By American District Court Judge

Wednesday, September 9th, 2015

auto insurance repair trustIn Florida, an American district court judge has approved the findings of a magistrate judge, which ruled that numerous antitrust complaints – made by windshield repair firms throughout the country against several insurance providers — should be thrown out. Nonetheless, the judge allowed leeway for lawyers to submit modified complaints. Auto glass repair stores from twelve federal district courts claimed that multiple insurance firms had fixed prices. These cases were dealt with together by the district court judge in Florida. The judge remarked that the complaint made against State Farm by Louisiana was awaiting approval to be contested in Louisiana state.

Twenty-First Century Centennial Insurance Company Versus A&E Auto Body Incorporated seems to have ignited the court proceedings. Here, a few Florida windshield repair stores filed a case against State Farm (along with many other insurance firms) claiming that the insurers illegally depressed rates, via their direct repair packages. Allegedly, if the stores failed to play ball, customers were sent elsewhere.

In the context of this court battle, other similar complaints were made in Michigan, Arizona, California, Pennsylvania, Alabama, New Jersey, Illinois, Washington, Oregon and other states. In December 2014, the American JPML (Judicial Multidistrict Litigation Panel) sent these complaints to the American District Court in Florida. Due to the sheer number of cases and states involved, the presiding American district court judge requested assistance from the American magistrate judge, to facilitate case research and provide advice. Defendants and plaintiffs had the chance to submit rebuttal statements.

During their statements, the plaintiffs made claims about the behavior of defendants collectively. Initially, the legitimacy of collective pleading was called into question, but eventually it was given the OK. Nonetheless, Judge Smith concluded that plaintiffs should, at least, provide enough evidence related to each specific defendant – or enough facts pertaining to each corporate group of defendants – to link the defendants to the alleged illegality.

After the antitrust complaints from the fourteen cases were reviewed, the magistrate judge said that the group boycott and price fixing allegations were no different to those that were made in Florida. Therefore, the judge ruled that the complaints should be thrown out on the same basis that the Florida complaints were rejected. Furthermore, the magistrate judge ruled that the antitrust complaints made in New Jersey, Michigan, Virginia and Washington should be thrown out, due to insufficient evidence of a contract between the defendants. This ruling was approved by the American district court judge.