Windshield Replacement and Auto Insurance

I’m sure you’ve heard the saying “Hope for the best, prepare for the worst” – this should be the motto of insurance. Insurance is simply a part of life. You’ve got health insurance. Life insurance. Homeowners insurance. Disability insurance. And yup, auto insurance. This is just a short list but goes to show how important and comprehensive insurance can be. 

Will My Insurance Cover My Windshield Replacement?

Most people find insurance policies confusing. Sometimes it’s hard to understand what is covered under your policy and what is not. Then throw in some terms like deductibles, out of pocket max, in-network, out-of-network, and exclusions and things can suddenly feel even more complicated. Luckily, when it comes to windshield repair and windshield replacement in Arizona, it’s a bit more straightforward. 

Why Does Insurance Pay for Replacing Cracked or Chipped Windshields?

Windshields are absolutely vital to overall car structure and safety. So, it’s pretty great that Arizona law understands the importance of this function and prohibits cost from affecting one’s ability to repair or replace their chipped or cracked windshield. Arizona is one of six states with a free windshield replacement law. What does this mean? It means that if you sign up for a comprehensive auto insurance policy, you won’t pay a cent out-of-pocket to repair or replace your windshield. There is a caveat however…there always is right?! Although Arizona law requires every operating vehicle to have auto insurance, it only requires Liability Insurance, which does not typically cover no-deductible windshield repair. Furthermore, approximately 12% of Arizona drivers are uninsured completely. But for the majority of Arizona drivers, understanding your insurance policy is necessary!

Do Your Research.

It’s important to know what kind of auto insurance you have. Windshield damage is extremely common in Arizona. In fact, drivers in Arizona file more auto glass claims than any other state in the US! If you drive in Arizona, chances are you’ve sustained a chipped or cracked windshield or two (or three ☺). Although there are measures in place to help prevent damaged to your windshield, if you do have a chipped or cracked windshield, you don’t want to put off getting it repaired. And if you signed up for comprehensive coverage on your auto insurance policy, there is no need to delay! Not only should your insurance company cover the windshield repair or windshield replacement, but you don’t have to meet your deductible first and there should be no hidden out-of-pocket expenses! And what’s even better is that most policies won’t increase their rates because of this.

Windshield Repair Vs. Windshield Replacement

If you have a cracked windshield, the best and safest option will likely be to replace your windshield. If you aren’t sure if your windshield can be repaired or replaced, call Auto Glass 2020 today at (480) 283-7751 or get a quote here and we can assess your windshield damage and provide you with the best service in town!