Insurance Auto Glass Questions & AnswersPrior to contacting Windshields of Arizona, am I required to get in touch with my insurance agent or company?

Fortunately, you do not have to contact your insurance company prior to obtaining our assistance. We can help you with verifying your level of coverage, filing a claim and with one call, we can schedule your free windshield replacement mobile appointment.

What is a glass waiver or glass endorsement?

According to Arizona State law, when an insurance company sells a comprehensive policy, a separate glass waiver or glass endorsement must be offered at a premium regulated by Arizona’s Department of Insurance. This means that regardless of your overall deductible, your glass replacement deductible may be zero.

What is no fault coverage for windshield replacement?

Arizona law states that insurance companies are prohibited from raising your premiums for claims that occurred due to no fault of your own, including glass replacement. For this reason, if you did nothing to cause the damage, your rates cannot increase for filing a claim.

How can I determine if my insurance coverage is comprehensive?

You must check your own automobile insurance policy for detailed coverage information, but if you are still making payments on your car or it is leased, it is highly likely that you have full coverage.

What do I do if I am unsure whether I have full coverage or must pay a deductible?

We can assist you with this issue. Simply get in touch with us and we will help you to file your claim. You can also contact your insurance company to determine whether or not you have full coverage or must pay a deductible. If you discover you do not have glass coverage, check to see how much your company charges and consider adding it to your policy for the future.

If I have a broken windshield, but do not have glass coverage, can I simply add this benefit to my policy, wait several months and replace the windshield?

Although people have tried this tactic and some have probably been successful, it is not legal or ethical. Additionally, certain insurance agencies that require a photo of your windshield prior to adding the additional coverage to your policy.

Do insurance companies repair windshield chips at no cost?

The majority of agencies are quicker to waive the deductible and repair the glass instead of having it replaced, since repairing a chip costs significantly less money then replacing the entire windshield. For this reason, if your policy is comprehensive, the entire repair will likely be covered. Currently, State Farm is the only insurance agency requiring a glass endorsement or a glass waiver on your policy simply to cover a windshield chip repair.

Will my rates go up if I file a windshield replacement claim?

Your rates will not increase. Arizona State law includes the aforementioned “no-fault claim” for replacing the windshield, and therefore if the damages were caused by a natural disaster, extreme temperatures, vandalism, flying objects or other incidents, a claim will not lead to higher insurance premiums.

Will my insurance company approve Windshields of Arizona?

Yes. Windshields of Arizona will be approved by your insurance company because they are currently a preferred member for numerous major insurance agencies. These include Esurance, Allstate, MetLife, AIG, Capital Nationwide, Progressive, Liberty Mutual, American Express, Costco, Encompass, Travelers, AAA, Hartford, USAA, Farmers, Geico, and American Family. In addition, Windshields of Arizona is a preferred member of LYNX Service and Safelite Solutions, which are third-party administrators for numerous insurance agencies.

Is it difficult to file a windshield replacement insurance claim?

Fortunately, in the majority of instances a claim can be filed in less than 15 minutes. File your claim online or call our local shop directly and we will take care of the rest.

Does Windshields of Arizona provide discounts for auto windshield replacement claims?

Yes. We have a special called “$50 Fast Cash” that we provide with any windshield insurance claim. If you have a comprehensive policy including full glass coverage, as most Arizona policyholders do, we will deliver $50 cash to you when you come for service or when we come to you. As soon as the job is complete, you receive the cash with no waiting period. In addition, you need not have any worries that we up–charge your insurance carrier for the $50 cash back program, as this promotion does not affect your insurance company.

Will my insurance company cover the cost of original equipment factory glass–OEM?

In some cases, OEM glass for automobiles is covered for cars that are current, with a plus or minus of two years. However, if your insurance company does not cover OEM glass, Scottsdale Windshield Replacement will explain your other options.

How can I find out which manufacturer made my windshield?

According to FMVSS, all windshields made and sold in America must contain manufacturing plant details, as well as a DOT code. This DOT code is often referred to as a windshield “bug” and is generally located at the bottom of the windshield. To discover who manufactured your particular windshield, write down the DOT code and enter it in the glassBYTES/AGRR database.

My insurance agent told me I can use any member of Safelite Solutions or LYNX Services for my repair.

That is great news. Windshields of Arizona is a member of both.

Can I choose any shop for the repair?

Yes. According to Arizona State law, you can select any shop for windshield repair. In fact, if your insurance company or agent refers you to their choice of glass shops, they are obligated to tell you that you can refuse that shop and choose your own.

What should I do if my insurance agent or company promotes their “preferred” windshield replacement company?

Always remember you have the legal right to pick your own windshield replacement and repair shop. In some cases, insurance companies tout one repair shop over the next because they are financially affiliated. The latter simply means they receive discounts, kickbacks and other benefits, none of which benefit you as the customer. Windshields of Arizona has competitive pricing and is accepted by all insurance companies, so we are very similar to your insurance company’s “preferred” repair shops, except that you get the perks rather than your insurance company.

Will asking about my deductible or making inquiries about a windshield replacement cause my rates to go up?

No. Directing questions to your insurance provider concerning your policy is not considered the same as filing a claim. Additionally, your insurance company is prohibited from raising your premiums for filing a no-fault windshield replacement claim.

What if I have liability only insurance coverage?

Coverage referred to as “liability only” covers damage to other cars. Therefore, auto glass repair is not covered under such a policy. Nevertheless, Windshields of Arizona has highly competitive prices, and accepts all payment methods, such as cash, debit cards and major credit cards.

If I opt for windshield repair instead of replacement, is my insurance company likely to waive the deductible?

In most cases, insurance companies will waive glass repair deductibles. This means if your comprehensive deductible on auto glass repair is between $50 and $1000, your insurance provider will likely cover the entire cost. However, State Farm only covers repairs if your policy features a glass endorsement benefit.

What if my deductible is high?

If your deductible is over $250, it would be better for you to pay out-of-pocket instead of handling it through your insurance company, as the auto glass repair cost will probably be less than $250.

It is helpful to know, however, that Arizona policyholders must be offered a full glass coverage option with no deductible. This means in Arizona you have the option of purchasing glass coverage with no deductible for a very small premium, which is usually under $15 per month.

What type of glass do insurance companies cover under comprehensive policies?

Most companies cover all glass, such as back glass, quarter glass, vent glass, rear glass and windshields. Some even cover mirrors under comprehensive policies.

Can my insurance company insist on windshield repair rather than replacement?

No. Insurance agencies typically prefer windshield repairs rather than replacement, as it saves time, money and keeps the original factory seal in place. However, if replacement is necessary, the insurance company cannot insist that you merely get the glass repaired.

My windshield is tinted, will be replaced?

Yes. Insurance companies will cover the cost of having the aftermarket tint reapplied to your windshield and we work with that type of glass, as well.

Prior to installation, will my insurance company inspect the damage?

In some cases, pre-inspection of windshields is completed before windshield replacement authorization is given to the repair shop. Insurance companies who engage in this practice include Geico, USAA, and American Family. Once verified, the company will authorize a shop to perform the repairs. In some cases, this can delay your auto glass replacement for a few days or weeks.

What questions will my insurance agent ask when I file a windshield replacement claim?

Your identity will be verified, the agent will gather claim information, look up your policy and authorize the glass shop of your choice to do the work.

What about my deductible?

The first thing you must do is verify that your insurance agent is not confusing your comprehensive insurance policy with your glass coverage. With Arizona comprehensive insurance coverage, your general collision deductible can be $250, but your glass deductible endorsement, zero. In some cases, insurance representatives give misinformation because they look at the wrong part of the policy. Therefore, when inquiring about auto glass repair coverage, make sure you ask the insurance agent to look specifically for any glass endorsement on the policy. Alternatively, you can give Scottsdale Windshield Replacement a call and we will assist you with this task.

Finally, if your deductible is $50 or less, we are pleased to waive it for you, but we cannot honor any other auto glass repair promotions or specials in conjunction with this discount.