Insurance FAQ's

No. Reporting to your insurance company or agent is not a requirement. In fact, most insurance companies use a third-party administer to file the claims on their behalf. Call us direct and we will help you file the claim and answer all of your questions or concerns before the claim gets started. We will assist in filing your auto glass claim, get your coverage verified and we will also schedule your appointment with our free valley wide mobile with only one call.

By law ARS 20-264, Arizona is one of the few states that are mandated to a offer a separate auto glass endorsements or glass waivers with any comprehensive policy. Typically, this auto glass waiver or endorsement is offered at a low premium cost (regulated by the Arizona Department of Insurance) such as $10 to $20 extra a  month. What this means is that you can have a comprehensive deductible for collision of say $250 or $500 and have an added “glass endorsement or waiver” with a deductible of $0. So, any auto glass repairs including windshield replacements would cost you nothing. In addition, if you use Glas Tek we will pay you up to $250 dollars cash at the time of service. So really, having the added insurance glass endorsement on your policy can pay for itself after just one windshield replacement with us.

Yes. As per State Law 20-469 of Arizona

Simply contact us, and we will assist you in reporting the auto glass replacement claim and verifying your insurance. You can always inquire about your coverage. If you have a deductible or lack coverage, we will provide you with all available options so you can choose the best one for your situation. We offer to waive up to $250 of any comprehensive insurance deductible or provide a low-cost auto glass replacement price.

To identify the manufacturer of your automobile windshield, you can refer to the Federal Motor Vehicle Safety Standards (FMVSS). All windshields manufactured and sold in the United States must include manufacturing plant details, which are indicated by a Department of Transportation (DOT) code. This DOT code, often referred to as the windshield “bug,” is typically located at the bottom of the windshield. You can obtain this DOT code from your car’s windshield and enter it into the glassBYTES/AGRR database to determine the specific manufacturer of your windshield.

According to Arizona law, you have the right to choose any auto glass repair shop you prefer. Often, insurance agents or companies recommend “preferred” repair facilities with which they have financial affiliations, such as receiving kickbacks, gift cards, lunches, and discounts. These benefits typically go to the insurance agents, not to you.

At Glas Tek, we honor and accept all insurance rates and contract pricing without up-charging. We also provide free chip repairs, offer mobile service, and include a nationwide lifetime warranty. Moreover, we are a preferred auto glass shop that your insurance company will verify. The key difference is that with Glas Tek, you receive all the benefits, including up to $250 cash on the spot. This ensures a win-win situation for you!

The insurance company will do a verification of your identity, collect information about the claim, do coverage verification and then give authorization to the windshield replacement shop that you have selected to get the work done. For more info visit our auto glass program page for a full list of questions that your insurance company representative will ask when opening a windshield claim.

Usually the full process should not take more than a 15 minutes which includes reporting the claim, verifying your insurance coverage and scheduling your convenient mobile appointment.

When dealing with a deductible on your insurance policy, it is crucial to ensure that the insurance representative understands the distinction between your comprehensive deductible and your glass endorsement or glass waiver deductible. Often, out-of-state insurance representatives may mistakenly reference your comprehensive deductible without recognizing that you have an auto glass endorsement with a $0 deductible. Be explicit in requesting information about your AUTO GLASS REPLACEMENT COVERAGE, not your comprehensive/collision coverage. Most comprehensive policies in Arizona include an auto glass waiver or endorsement due to the low premium costs.

If your deductible is high, such as $250, and the cost of the replacement glass is lower, it may be more cost-effective to get a direct replacement price. In such cases, if the replacement cost is less than your deductible, it is advisable not to file a claim. This approach helps avoid having a claim recorded on your policy.

For deductibles up to $250, we offer to waive the amount in lieu of our up to $250 cash back offer, providing you with a convenient and cost-effective solution.

Yes. Glas Tek is an approved member for all major insurance companies which include Esurance, Met-Life, AIG, Nationwide, Alliance, Allied, Progressive, Liberty Mutual, American Express, Costco, Encompass, Travelers, AAA, Allstate, Hartford, USAA, Kemper, Nationwide, Farmers, Geico, American Family and many many more.

No. According to state law 20-263 of Arizona; a claim of “no fault” for auto glass replacement will not raise the rates. Therefore, your insurance provider cannot increase your rates when the accident is due to vandalism, flying objects, kicked up rocks, natural disasters or extreme temperatures.

Not at all. Usually the whole process is completed within 10-15 minutes. You just need to call Glas Tek directly or you can fill out a form online and one of our friendly representatives will guide you threw the entire process so that there are no surprises. We make filing auto glass claims worry free and painless!

You can check your policy and see if you have anything written on your declarations page that reads waiver or endorsement. Auto glass endorsements/waivers are only available to individual’s whom carry comprehensive coverage not liability coverage. Typically, individuals carry comprehensive auto coverage on their policy when their car is leased or they are still making payments to the bank for their automobile. Often individuals that own older vehicles and have already paid off their car loans will only carry liability insurance at a lower premium cost. Check your own auto insurance policy for more detailed coverage information. Or, give us a call directly and we will call your insurance company and check coverages with you. Worst case scenario, you learn about your coverages and we can give you a low cost no obligation estimate for the replacement or repair.

Possibly but not ethical. Some insurance companies now require that you submit a picture of your windshield or will require an inspection before adding this coverage.

Yes. We give up to $250 Cash Back the same day with any insurance windshield replacement claim. If you have a comprehensive policy with the auto glass endorsement or waiver then we will give you up to $250 CASH at the time of service. You do not have to wait; the cash is yours immediately after the completion of the job unlike other auto glass shops.

Definitely not. We honor all contract pricing of all insurers and there will never be any additional costs out-of-pocket for your insurance company or you. In fact, we are an approved auto glass shop for all major insurance companies including; Allstate, Safeco, Farmers, Geico, USAA, American Family, Liberty Mutual, Alliance, Kemper, Allied, Hartford, and many many more.

Sometimes it is possible. Certain insurance companies, cover OEM/Factory glass requests for current automobiles minus a single or couple of years of age. What this means is that if the current year is 2016 the coverage will be from 2014 to 2016. In any case Glas Tek will try to have it covered from your insurer or otherwise give you all your options.

Insurance companies do not offer auto glass endorsements on liability coverage. This type of coverage only protects the other vehicle in case of an accident. Therefore, auto glass replacement or repair will need to be paid out of pocket. However, you have come to the right place! We offer super competitive windshield replacement and auto glass prices that come with free lifetime rock chip repairs, nationwide warranty, and free valley wide mobile service.

What this means is, you have a choice of paying a small premium and purchasing coverage for auto glass with no deductible. Usually the additional cost will be only between $10 to $20 every month and is quite worth it. Luckily among the states, Arizona is one of the few which offers this type of coverage.

All glass on your car including the windshield, back glass, quarter glass, vent glass, door glass, and sunroofs.

No, they cannot force you, but they will prefer you repair as the repairing will save time and money and also keep the original seal of the factory intact. When the size of the repair of the windshield is less than a dollar bill, it is strongly recommended by the insurance company to have it repaired and not replaced.

Some of the insurance companies do want to, and a few of them require an inspection done randomly before they authorize the shop to go ahead with their work. Such companies include Geico, USAA and American Family. If your inspection is randomly chosen then the company sends an insurance inspector/adjuster to verify the location and extent of the damage to the glass. Once the verification is complete we are authorized to proceed with the work. The only problem is that this could delay the installation or repair of your glass.

Yes. Insurers will cover the cost of reapplication of the aftermarket tint and you are lucky because Glas Tek can help with that as well.