Auto Glass Repair Insurance FAQ’s

auto glass repairDo I need to contact my insurance company or agent  before filing a auto glass repair claim with you? No. We will help you file your auto glass replacement no fault insurance claim, verify your coverage, and schedule your free mobile appointment, in just one call.


What is an auto glass repair endorsement or glass waiver? By law ARS 20-264, Arizona is one of the few states that are mandated to an offer separate auto glass endorsement or glass waiver with any comprehensive insurance policy. Typically, an auto glass waiver or endorsement is offered at a low premium cost (regulated by the Arizona Department of Insurance) such as $5 to $15 extra a month. What this means is that you can have a comprehensive deductible of say $250 or $500 and have a glass endorsement with a deductible of $0. So, any auto glass replacement including windshields would cost you nothing. In addition, if you use Phoenix Auto Glass we will pay you $50 dollars at the time of service. So really, having the added auto glass endorsement on your policy can pay for itself after just one windshield replacement with us.


What is auto glass repair no fault insurance coverage? Arizona law ARS 20-263, states that Arizona insurance companies cannot raise your rates for any claims that you did not cause or were not your “fault” which include auto glass and windshield replacements.  Therefore, if your windshield or auto glass got broken or vandalized and you did not cause the damage than your insurance company cannot raise your rates.


How do I know if I have comprehensive auto glass repair insurance coverage? Typically, individuals will carry comprehensive auto glass insurance 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 cars and have already paid off their car loans will only carry liability insurance for a lower premium cost. Check your own auto insurance policy for more detailed coverage information or give Phoenix Auto Glass & Windshield Replacement a call and we can help verify your coverage.


I do not know whether I have auto glass repair coverage or a deductible on my car policy; what then? That is not a problem. Just contact us, and we will aid you in reporting the auto glass claim and getting insurance coverage. You can always ask. If you end up having a deductible or you don’t have auto glass repair coverage on your policy, you will at least know. You can also check to see how much your insurance company charges for the auto glass endorsement each month for future reference. However, all calls are recorded therefore if you don’t have coverage and you want to add it for the future, you can’t just wait for it to take affect and have your auto glass replaced for no charge. Your insurance company will make you pay for your current broken windshield and prove to them that you had it replaced then they will pay for any additional occurrences if you added the auto glass endorsement.  Phoenix Auto Glass & Windshield Replacement offers the best, free, no obligation, low-cost windshield replacement prices in the industry.


What if I don’t have auto glass repair coverage and I have a broken windshield, can I just add it to my policy and wait a few months to have it replaced? Possibly but not ethical.  Some insurance companies now require that you submit a picture of your windshield, come by one of their inspection offices, or they will send an inspector to your home or business before adding this additional coverage.


Do insurance companies cover windshield chip repair costs? Most companies would rather waive the deductible and have the auto glass repaired rather than have it replaced since the cost is considerably less for a repair. Therefore, if you carry a comprehensive insurance policy regardless if you have a auto glass waiver or glass endorsement on your policy, most insurance companies will cover the full cost of the repair. So, if you have comprehensive coverage with a $500 deductible and your windshield is in repairable condition (up to 6 inches with insurance) than your insurance company will waive your deductible if the repair is successful. State Farm is the only insurance company (now) that requires you to have the auto glass waiver or endorsement on your policy for them to cover the cost of the windshield chip repair.


Are you approved by my insurance company? Yes. Phoenix Auto Glass & Windshield Replacement is now a preferred member for many major insurance companies including; American Family, Geico, Farmers, USAA, Hartford, Allstate, AAA, Travelers, Encompass, Costco, American Express, Liberty Mutual, Progressive, Nationwide, AIG, Met-Life, Esurance, and many more. We are also a preferred member of Safelite Solutions and LYNX service who are third party administrators for many insurance companies.


What if I don’t know if I have an auto glass deductible or even have coverage? No problem. Give us a call or start your auto glass replacement claim online and we will help you report the auto glass repair claim and obtain insurance coverage. It doesn’t hurt to ask, right? If you have a deductible or don’t have coverage, we will give you all your options and let you decide what is best for you.


Is filing an auto glass  insurance claim difficult? No. In most cases, it can be completed in less than fifteen minutes. Call our local shop direct or file your auto glass repair claim online and we will take care of the rest.


Do you offer any specials for insurance auto glass windshield replacement claims? Yes. We offer a $50 Instant Cash with any auto glass windshield replacement no fault insurance claim. If you have full auto glass coverage on your comprehensive policy (most AZ policyholders do) we will bring you $50 dollars CASH at the time of service. No waiting, you will get the cash as soon as the job is complete.


With your insurance auto glass repair $50 Instant Cash Program will you up-charge my insurance company? Absolutely not. We honor all insurance contract pricing therefore there will be no additional out-of-pocket costs for you or your insurance company.


I want original equipment manufactured OEM/Factory auto glass. Will my insurance company cover it? Maybe. Some insurance companies will only cover OEM glass for cars that are current minus one or two years. Meaning; if it is the year 2011 than they would cover years 2009 through 2011. Either way, Phoenix Windshield Replacement will attempt to get it covered through your insurance company and give you all your options otherwise.


How do I know who manufactured my auto glass windshield? According to FMVSS, all auto glass windshields that are manufactured and sold in the United States must contain the manufacturing plant details on the auto glass part including a Department of Transportation (DOT) code. Typically, this DOT code is called a windshield “bug” and is located on the bottom of all auto glass windshields. You can get this DOT code from your car windshield and enter into the glassBYTES/AGRR database to find out who manufactured your particular auto glass part.


My insurance agent says I could use anybody as long as they are a member of LYNX Services or Safelite Solutions? Great. We are a proud member of both LYNX and Safelite Solutions. However. by AZ State Law, you still have the right to choose any auto glass repair shop to perform the work on your car.


Can I choose any auto glass windshield replacement shop to install my glass? Yes. Per Arizona State Law ARS 20-469 you have the right to choose any auto glass repair facility for the repair or loss relating to motor vehicle glass. In fact, if your agent or insurance company refers you to a auto glass shop of their choice they are obligated by this same statue to also inform you that you may choose any auto glass repair shop that you wish.


What if my insurance company or agent recommends their “preferred” car windshield replacement company? Just remember, by law, you have the right to choose your own windshield replacement repair shop. Furthermore, they may be “financially affiliated” with the preferred shop and receiving all the benefits (discounts, gift cards, lunches, kickbacks) rather than you. We are accepted by all insurance companies, honor all insurance pricing (no insurance up-charging), and offer a nationwide lifetime warranty. In fact, we charge the same as their “preferred” shop…….But; YOU get all the perks….not your agent!


Will checking on my deductible or inquiring about a auto glass windshield replacement claim raise my rates? No. Asking your insurance provider about your policy coverage is not generally considered a claim. Furthermore, auto glass repair claims are covered under most Arizona comprehensive insurance policies and by AZ Law insurance companies cannot raise your rates for any no fault insurance claims. Meaning, if you didn’t cause the broken windshield or the auto glass breakage then your insurance company cannot raise your rates.


What if I only have liability coverage? Liability coverage only covers damage done to another automobile and not your car. Therefore, you will not have auto glass or windshield  coverage on your policy. However, Phoenix Auto Glass & Windshield Replacement has very competitive prices and accepts all major credit cards, debit cards, and cash.


Will my insurance company waive my deductible if I have my car windshield repaired rather than replaced? Most likely. Many insurance companies will waive deductibles and pay 100% of  a windshield chip repair. This means that if you have a $50-$1000 comprehensive deductible and your windshield is repairable then your insurance provider will cover the entire cost of the auto glass repair. Most insurance companies will pay for a windshield chip repair whether you carry the auto glass endorsement on your comprehensive policy or not. There is one exception, in that is with State Farm. State Farm will only cover a windshield chip repair if you carry the auto glass endorsement on your policy.


What if I have a high auto glass repair deductible? If your deductible is $250 or more than it is likely that the auto glass repair or replacement cost will be under that amount. Therefore, we would recommend that you pay out-of-pocket rather than going through your insurance. We accept all major credit cards, debits cards, and cash.


Did you know that per ARS 20-264 Arizona policyholder’s must be offered the option of full auto glass coverage without a deductible? This means that in Arizona you have the option to buy auto glass repair coverage with a zero deductible for a small premium. Typically, it is only an additional $5 to $15 per month and is well worth it. Arizona is one of just a few states that offer this coverage.


What auto glass will my insurance company cover under my comprehensive glass endorsement ? Most insurance companies will cover all auto glass including; windshields, door glasses, vent glasses, quarter glasses, back glasses and sometimes even mirrors under comprehensive auto glass coverage.


Can my insurance company force me to have my auto glass windshield repaired rather than replaced? No. Insurance companies would prefer to repair your auto glass windshield rather than replace because it saves money, time, and keeps the original factory seal intact. In fact, most insurance companies will recommend that you have your car windshield repaired if it is less than the size of a paper dollar bill.


Will my insurance company want to inspect the auto glass damage prior to installation? Maybe. Some insurance companies have started requiring a random pre-inspection of  auto glass and windshields before authorization is given to the eauto glass repair shop. These insurance companies include; American Family, USAA, and Geico. If you are chosen for a random inspection, your insurance company will send out an insurance adjuster/inspector to verify the size and location of the auto glass damage. Once verified, your insurance company will give us authorization to perform the work. Unfortunately, this can delay your auto glass  replacement installation. See our auto glass program page for more information regarding the auto glass repair insurance claim process.


What will my insurance company ask when reporting an auto glass claim? They will verify your identity, collect claim information, and verify coverage, than give the auto glass repair shop of your choice authorization to perform the work. Visit our insurance auto glass program page for a list of common questions that are asked  by your insurance when filing a auto glass repair or replacement claim.


How long will the phone call take to file an insurance auto glass or windshield replacement claim? In most cases, the process takes less than fifteen minutes.


What if I have a deductible? First, be sure that you or your insurance company representative is not confusing your auto glass repair coverage with comprehensive coverage or collision coverage. Most auto glass losses are covered under glass coverage of your comprehensive policy as long as no other damage is being claimed. You can have a $250 comprehensive/collision deductible and a $0 glass deductible. But, if you claim other damage such as property theft, body damage, scratches. etc… then your insurance will file it under your regular comprehensive coverage and require that you pay the deductible. So, you need to decide if there were other damages if those damages are less than the cost of your deductible.

If you have a high deductible such as $250, the cash cost of the auto glass repair may be lower. Therefore, you may want to get a auto glass replacement quote to compare. If the cost is lower than your deductible than it would be wise not to file a claim. This will help “save” a claim from being filed on your insurance policy. If you have a deductible that is $50.00 dollars or less we will be happy to waive that for you. However, no other specials or promotions can be honored.


I have aftermarket tint on my window will it be replaced? Yes. Insurance companies will pay to have the aftermarket tint reapplied to your windshield or auto glass  and you are in luck because we do that too.


Will filing a automobile windshield replacement claim affect my insurance rates? No. Arizona state law ARS 20-263 states that a “no fault claim” for auto glass replacement will not raise your rates. Therefore, your insurance company cannot raise your rates due to accidents caused by flying objects, vandalism, extreme temperatures, natural disasters, or kicked up rocks.