Auto Glass Replacement Insurance FAQ’s

Windshield Replacement Insurance FAQ'sIs it necessary to first contact the insurance agent or company before having the car windshield replaced? No, the auto glass company will help in filing the auto glass repair claim, verifying coverage and scheduling a free appointment with their mobile service.


Will this auto glass replacement claim cause my insurance rates to increase? Auto glass replacement is a no fault accident. According to the laws of the State of Arizona, your rates can not be increased due to this type of claim, whether the breakage was caused by vandalism, flying objects, gravel, high or low temperatures or other natural disasters.


Is your auto glass repair company an approved vendor for my particular insurance company? Yes.  Our company is approved by all major insurance companies offering auto glass coverage in the State of Arizona.  In addition, our organization is a part LYNX Services and Safelite Solutions.  These two organizations work as administrators for many major insurance companies. Furthermore, Arizona insurance policyholders have the right to choose any auto glass replacement or windshield repair shop of their choice to perform the auto glass repair installation to their car.


Do I need to pay a deductible? Each policy is different, however, our company can help you to make a report of your auto glass repair claim. Most Arizona comprehensive policies have a glass waiver on their insurance policy making all repair costs free. Arizona is one of the few states that make it a requirement for insurance companies to offer this kind of coverage a t a low premium cost.  If there is any cost that you must pay, you still have the option of continuing with the work or making some other decision.


Is it difficult to file an auto glass repair claim for windshield insurance coverage? Most of the time the claim can be filed with the company in just a few minutes. Auto glass insurance claims can be filed online or by phone at a local repair shop.


Are there any special deals offered for replacing a windshield through insurance? With every windshield replacement  claim, our company offers a $50 incentive that is paid to the owner of the vehicle.  If the auto glass is fully covered through comprehensive insurance (and it is with most Arizona insurance) the owner of the vehicle gets that money in cash at the end of the service.   There is no need to wait for a check to be sent in the mail and there is no insurance up-charging.


Will my insurance company have to pay more because you give me the $50 cash back? No.  The price we charge the insurance company is set by contract.  This rebate is not passed on to the insurance company.


Is it possible to get OEM (original factory glass) as the replacement for my vehicle? There are several factors that figure into the answer to that question.  With some companies, factory glass is only allowed for vehicles that are only 1-2 years of age.  If your claim Is filed in 2011, and your vehicle is newer than a 2009 model year, it is likely covered.  Our company will attempt to meet this request through your insurance, but if not, we will offer several other options to you.


My insurance company requires that the company replacing the glass be a member of Safelite Solutions or LYNX.  Do you qualify? Yes, we are members of both groups. However, by law, you have the right to choose any auto glass replacement or windshield repair shop of your choice.


Do I have to stick with the company recommended by my insurance agency? No.  State laws in Arizona give the car owner the right to have their auto glass repaired at any company in the state.  It is the agent’s obligation to tell customers that they can choose their own shop if they do make a recommendation for replacement of the windshield of the vehicle.


What about insurance preferred companies for replacing the auto glass or windshield on my car.  Must I choose them? Not according to the law.  It is the right of the vehicle owner to select their own company to replace the auto glass or windshield.  In addition, many such preferred companies are only preferred due to the benefits offered by the shop to the insurance agent, such as kickbacks or gifts.  Our company is accepted by all the insurance companies, it honors the prices offered by the insurance company and gives the customer a lifetime warranty honored nationwide.  The cost to your insurance company is the same as that of their company of preference.  The good news is that all the perks go directly to you and not your agent or insurance company.


Can asking about windshield auto glass replacement or verifying the deductible cause me to pay more for insurance? No.  This is not considered to be a claim. Furthermore, windshield replacements or auto glass repair insurance claims do no affect your rates by Arizona state law.


I only carry liability insurance.  Will it pay to replace my windshield or my auto glass door window? No.  Liability insurance only pays for damage to other vehicles caused by yours.  It does not cover the glass on your vehicle.  You can still benefit from our low prices and we also accept cash and debit cards as well as major credit cards.


Can I save money by having the windshield repaired instead of having it replaced? In many cases.  Most major insurance companies that insure vehicles waive any deductible for windshield chip repairs.  Today many policies have a deductible as high as $1000.  With the deductible waived, the repair is done at no cost to you.  State Farm insurance is one notable exception.  This company only covers the cost of windshield chip repairs if you carry the added glass endorsement on your  policy.

If you already carry the windshield or auto glass repair endorsement on your policy then there will be no added savings to you for a windshield chip repair. However, it will save your insurance company of having to cover the cost of a full windshield replacement. Therefore, most insurance companies recommend that you have your windshield repaired rather than replaced if possible.


What if the auto glass or windshield replacement cost is less than my deductible? Auto glass repair quotes  are generally less than $250.  If your insurance has a deductible greater than this amount, it is usually better to pay the expense yourself rather than using the insurance.  We offer several ways to pay.


Are there other options to avoid the trap of the deductible? Arizona is one of the few states that requires insurance companies to offer their customers full glass coverage.  In most cases, this coverage is only five to fifteen dollars more each month.  If you are new to Arizona, your may not have realized that this is an option since it is not offered in most other states.


Does the insurance only cover the windshield? Comprehensive insurance glass coverage offers protection for all the auto glass in a vehicle.  In some cases, the mirrors are covered by the policy as well.


Can the insurance company require that I have a repair job rather than a full replacement? No.  In most cases, the repair is the preferred method as it keeps the seal from the factory intact and saves your insurance company the cost of a new windshield replacement.  Most insurance companies recommend repairing a windshield for damage that is less than the size of a dollar bill. However, Avondale Windshield Replacement believes that it is still your right to choose whether your windshield is replaced of repaired since you pay the insurance premiums.


Is it necessary to have an inspection of the damage by the insurance company before auto glass repairs are made? In some instances.   If your vehicle is selected for the inspection, an adjustor or inspector must first verify the location and size of the damage to the glass.  Once verification is made, the insurance company authorizes the auto glass repair shop to do the necessary work.  This does delay the auto glass replacement process. Yep, these insurance companies send out an insurance adjuster or third party to verify that your windshield is really broke. It doesn’t make much sense too Avondale Windshield Replacement since that is what you told them during the phone claim process.


What information is needed by the insurance company when an auto glass repair claim is reported? The identity of the vehicle owner, information about the claim and the coverage are all gathered before authorization is made.  Visit our auto glass repair program page for more information on the insurance claim process.


How long does it take to get a auto glass or windshield insurance claim approval? Most of the time approval is given over the phone in fifteen minutes or less.


What about auto windshield deductibles? Remember that most insurance policies in Arizona offer full glass coverage on windshields and auto glass repairs as long as glass damage is the only damage to the car. Insurance policies can carry a $250 comprehensive deductible but no deductible for the glass. But, if you do have a deductible we will waive up to $50 of your deductible in lieu of our cash incentive.


If there is a high glass deductible, your insurance may not cover the cost of the glass.  In this case, it will pay to obtain a free auto glass repair cash quote for comparison.  This may save money in the long run as no claim would then be filed on the policy.

When the deductible is less than fifty dollars, our company can wave that cost.  In these circumstances, the special promotions will not be honored.

Since auto glass coverage is very affordable in Arizona, you may have the coverage on your policy without even knowing that you have it.


If I only carry liability insurance coverage will my insurance company cover the cost of a windshield replacement or auto glass repair? No. Liability coverage only covers damage to the other car in an accident not  yours.We welcome customers that do not have insurance to cover the cost of replacing their glass.  In addition, there are several ways you can pay, including cash and all major credit cards.


Are auto window tints that are added aftermarket also covered? Yes this aftermarket addition will be covered by your insurance company. Furthermore, Avondale Windshield Replacement also offer aftermarket car window tint services for your convenience.