Auto Glass Insurance Program

auto glass PhoenixPhoenix Auto Glass and Windshield Replacement is approved and accepted by all major insurance providers including; Allstate, State Farm, Farmers, Liberty Mutual, Nationwide, State Farm, USAA, AAA, Geico, Hartford, Esurance, Progressive, and many many more. In the State of Arizona, policyholders have the choice to choose any auto glass repair facility they like to perform the work on their car. Phoenix Windshield Replacement honors all insurance company pricing and Arizona policyholders get the benefit of a nationwide lifetime warranty.

Insurance policyholders will never have to pay any expenses from their own pocket. In addition, if you carry $o deductible insurance waiver we will give you $50 Cash Back (at time of service). Or, we can waive up to $50 of your deductible for windshield replacement. You can’t lose! We don’t up-charge your insurance company and there will never be any additional out-of-pocket expenses for you.

You can call Phoenix Windshield Replacement directly to file any auto glass insurance claim. We will help you file your insurance claim and answer all of your questions in advance, so that the claim process is comfortable for you. In fact, we will stay on the line while you report the claim to help you throughout the entire process. Auto glass repair or replacement claims typically take less than 15 minutes to complete.


Common questions that are asked by your insurance company during an auto glass repair claim process:

1.  What is the name of the policyholder? (The person listed on the insurance card) Some insurance companies will only take the claim from the policyholder listed.

2.  Your policy number? Please note: Some insurance companies (State Farm) have different policy numbers for each automobile on policy.

3.  What piece of glass is damaged? (Windshield, Door Glass, Vent Glass, Quarter Glass, Back Glass)

4.  Was there any additional damage besides just auto glass? Please note: if the answer is yes, you may be required to pay your comprehensive deductible.

5.  Was anyone injured as a result of this damage?

6.  Was there a claim filed with your insurance company? If you only spoke to your agent and no other damage occurred then there will be no claim number so the answer is no.

7.  Date of loss? (When did the auto glass damage occur?) Please note: Your insurance company cannot pick the date for you. If you don’t know the date exactly, pick a time when you expect the auto glass damage could have occurred, when you first noticed it, or the date the break spread. Make sure you had auto glass coverage on this date. Also note: If you pick a date in the past (6 months or longer) your insurance company may have to archive the information and it may delay your auto glass repair claim.

8.  In what state did the damage occur?

9.  Is the damaged area on the car windshield larger than the size of a paper dollar bill? Please note: if the answer is yes, your insurance company will ask that you have the windshield repaired versus replaced. It is still unclear who has the final say; You the Policyholder, Insurance Company, Arizona Department of Transportation, or the Auto Glass Repair Facility. Also note; that some insurance companies require random inspections before the auto glass repair shop receives authorization to do the replacement. (Some of these insurance companies include American Family, Geico, and now USAA.)

Phoenix Windshield Replacement are firm believers that you as the insured (and the one whom pays for the coverage) has the final say whether or not your auto glass windshield get repaired or replaced. In fact, we are starting to see that many insurance companies are trying to take this right away from Arizona policyholders. However, Arizona law states that insurance companies must provide the option for  auto glass coverage with a zero deductible on all comprehensive insurance auto policies. We believe that the State of  Arizona wrote this law to keep Arizona drivers safe and broken windshields off the Arizona streets. It seems though, that insurance companies are trying to make it their decision whether a windshield receives a chip repair or a full windshield replacement and not the State of Arizona or the AZ Department of Transportation like we believe it should be. Visit our auto glass repair FAQ’s page and the auto glass repair process page for more information about windshield chip repairs.

After filing of the no fault insurance glass replacement claim, many insurance providers perform verification of the coverage while reporting auto glass claim and the repair shop receives authorization to perform the needful work. Some insurance providers have to use offline verification procedure because the TPA has no direct access to the policyholder’s coverage information. Here, the TPA will send an email message to the insurance provider for ensuring coverage verification and later they will contact you. In such instances, authorizations are not given for doing any kind of work until the auto glass repair coverage is verified. The verification process is done in about twenty four hours. Phoenix Windshield Replacement will contact your insurance agent directly in case of an emergency situation for getting your coverage details.


Phoenix Auto Glass Claims and your Insurance Company

Most major insurance providers use third party administrators (TPA) for filing auto glass replacement and repair claims on their behalf. What this means, is that if you call your insurance company to file an auto glass repair claim, you will be directed to the TPA that handles claims for your insurance company. In order to file a auto glass replacement claim, you must be the named policyholder, be available to speak to the representative to verify your identity, and provide your policy number. In most cases, the TPA will be able to verify your coverage and give Phoenix Windshield Replacement authorization to perform the work.

The two largest third-party administrators are Safelite Solutions and LYNX Services. These providers prefer and support services provided by Phoenix Windshield Replacement.  Safelite Solutions is not to be confused with Safelite Auto Glass although they are financially affiliated. Safelite Solutions handles windshield insurance claims for hundreds of insurance companies. Part of the Safelite Solutions auto glass program include insurance companies such as: Farmers, Geico, USAA, Hartford, Nationwide, Liberty Mutual, Progressive, and American Family.

Although Safelite Solutions (the TPA) is financially affiliated with Safelite Auto Glass (the service provider); the two companies are supposed to be run as separate entities to keep legal. However, if you call one of the insurance companies within the Safelite Solutions group and you do not have a preferred provider they will send you to a Safelite service center. But, keep in mind Arizona law gives you a right to choose your auto glass service provider and Safelite Auto Glass does not offer the $50 Instant Cash Offer for auto windshield replacement insurance claims.

In fact, Phoenix Windshield Replacement is a member of Safelite Solutions and has contracted pricing with your insurance company within the Safelite auto glass program. So, we charge the same contracted amount as Safelite Auto Glass but we give you $50 Instant Cash unlike Safelite Auto Glass.

The second largest third-party glass administrator is LYNX Services. The two largest insurance companies that utilize LYNX Services to handle auto glass repair claims on their behalf include; State Farm.. LYNX Services does not own and operate an auto glass replacement service company. However, they do have their preferred shops based on profit. Phoenix Windshield Replacement is a member of LYNX Services along with thousands of other auto glass repair shops.

LYNX Services allows auto glass repair shops to bid on jobs based on discounts. The deeper the discount and the larger the expected profit to LYNX Services, the more jobs they will provide auto glass repair shops. Remember, insurance companies will only pay fair and reasonable prices so glass replacement companies can never up-charge. Therefore, LYNX Services already knows what the fair and reasonable price that the insurance company is willing to pay and if the repair shop comes in with a deep discount the higher the profit will be for the TPA (LYNX Services).

So, the repair shop that wins is the ones that provide the largest discounts not the one that is best for you as the customer. With that said, Phoenix Windshield Replacement is a member of LYNX but does not play their game. We honor State Farm and all insurance pricing so that there will never be any additional out of pocket costs for you. However, we prefer to give you the deep discounts rather than the TPA (the insurance company is always going to get their share). Therefore, we give you $50 Cash Back with any $0 deductible windshield replacement claim