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Understanding Arizona’s Windshield Replacement Law and Insurance Coverage

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The car windshield sometimes gets damaged in an accident. If the damage is limited to a superficial chip, it may be possible to get the glass repaired. However, replacement is the only option if it is a crack or hole in the glass. Glass replacement will not cost you much if you have car insurance for windshield.

Do not delay replacing a damaged windshield, or you risk an accident that can harm the driver and passengers. An already cracked windshield can shatter immediately, even from a light impact. While the windshield is designed to not shatter into sharp pieces, you should avoid taking any safety risks.

Your car insurance coverage may have support for windshield repair and replacement. What types of insurance policies cover windshield damage, in what situations, and for what events? Find answers to these questions auto glass insurance claims in Arizona.

Collision Insurance

Its name itself makes it clear what type of accident is covered under this insurance plan. If your car has been in a collision, your windshield repair or replacement is covered under this policy. The only condition is that the damage should have been during a crash.

Full Glass Coverage

Also called a “zero deductible,” this insurance policy is designed to cover glass damages and replacements. It is actually a rider that you can add to your auto insurance coverage. Add this rider to your auto insurance if you are apprehensive about paying the high cost of windshield replacement out of pocket.

Comprehensive Auto Insurance

It is not a stand-alone policy but an add-on that you can add to your policy when taking auto insurance. It is the ultimate auto insurance and covers a wide range of damages and risks. It also includes a windshield damage claim.

This option covers car insurance for windshields and pays for damages caused by theft, falling objects, hail, flood, fire, and animal crash. It may be mandatory and not optional coverage if you have taken a loan to buy your car.

Is Deductible Necessary?

A deductible is common with collision and comprehensive insurance policies. The policyholder pays this amount out of pocket when filing a claim. Therefore you cannot file an auto glass replacement claim if the replacement cost exceeds the deductible.

For example, if your deductible is set at $500 and the glass replacement cost is only $250, the insurance company will not support the claim, and you will have to bear the full replacement cost.

Should You File a Claim for Windshield Replacement?

It will depend on the amount needed to repair or replace the windshield, your deductible, and the type and extent of the damage. Only a few states have “zero deductible” laws, and Arizona is one of them. You can learn more about this and other aspects of filing a claim in our windshield insurance claims tips.

You do not have to pay any deductible payment if you opted for the “safety equipment” or “full glass” policy that covers windshield repairs so you can select the repair service center under the terms of car insurance for windshield. For more information on understanding your coverage, visit how do I know if my insurance covers windshield replacement.

High-Tech Auto Glass technicians have the expertise and experience to replace all types of car windshields. We work with all insurance companies. Bring your vehicle to our service center for high-quality windshield replacement.