Auto Insurance Claims: 6 Vital Steps to Successfully File Your Claim for Windshield Damage.

Have you ever asked the question: “how do I file my auto insurance claim for windshield damage…?”

For nearly every Arizona driver, the answer is yes! This is a common question we get from Arizona drivers when they come to Auto Glass 2020 with a cracked windshield in need of repair. Luckily, here at Auto Glass 2020, we live and breathe all things auto glass, including windshield replacements in Chandler, AZ and the surrounding Phoenix area. So, needless to say, we feel pretty confident that we can help you avoid what most drivers consider a daunting and confusing process, and make filing your auto insurance claim simple and stress-free.

Keep on reading for an easy-to-follow guide on how to successfully file an auto insurance claim for windshield damage. Whether it’s a small chip or a full crack, understanding how to navigate your insurance claim can save you time and money. Our professional, casual, and informative approach aims to demystify the insurance claims process for windshield damage.

Understanding Windshield Functions and Importance.

Before we dive into the claims process, let’s understand why your windshield is more than just a piece of glass. It’s a critical component of your vehicle’s safety system, providing structural integrity to your car’s cabin in the event of a rollover and supporting the deployment of passenger-side airbags. A compromised windshield can significantly reduce the safety of your vehicle, making timely replacement or repair crucial.

Auto Insurance: Understand Your Policy.

Before you can file a claim for windshield damage, it is extremely important to understand your auto insurance policy. Windshield damage coverage falls under comprehensive coverage, which pays for non-collision-related damages to your vehicle. This can include damages from rocks, road debris, vandalism, and natural disasters.

✅ Comprehensive Coverage: A Closer Look.

Comprehensive coverage often includes auto glass repair and replacement, but the specifics can vary between policies. Some insurers may cover the total cost of windshield replacement, while others might require you to pay a deductible. In certain states, there are laws that influence how much insurance companies can charge for cost of windshield replacements in Arizona, sometimes even requiring that they be provided without a deductible.

✅ Full Glass Coverage.

Additionally, some policies offer an option for full glass coverage, which covers the cost of replacing all types of auto glass without a deductible. It’s essential to review your policy or speak with your insurance agent to understand the specifics of your coverage.

Auto Insurance: A Step-by-Step Guide to Filing Your Claim.


Step 1: Assess the Damage.

The first step is to assess the extent of your windshield damage. If the damage is smaller than a dollar bill, it might be repairable. However, larger cracks or chips, especially those in the driver’s line of sight, typically require a full windshield replacement.

Step 2: Document the Damage.

Take clear photos of the damage from various angles. Documentation is crucial for your insurance claim, providing evidence of the damage’s extent and location. Include any details that might have led to the damage, such as road debris or a sudden temperature change.

Step 3: Contact Your Insurance Company.

Once you’ve assessed and documented the damage, the next step is to contact your insurance company. Many insurers offer online, mobile app, or phone options for filing claims. Be prepared to provide:

  • Your policy number
  • The date and time of the damage
  • A description of how the damage occurred
  • The photos you’ve taken of the damage

Step 4: Insurance Inspection.

Your insurance company may request to complete their own inspection of the damage. This can often be arranged at your convenience, sometimes even at your home or workplace.

Step 5: Choosing a Repair Shop.

While your insurance company may suggest preferred auto glass repair shops in Chandler, AZ, it’s important to know that you have the right to choose where to have your windshield repaired or replaced. At Auto Glass 2020, we specialize in windshield replacement and work closely with many insurance companies, streamlining the claims process for our customers in Chandler, AZ, and Phoenix, AZ.

Step 6: Repair or Replacement and Payment.

After selecting a repair shop, the next steps are the repair or replacement of your windshield and the payment process. If you have a deductible, you’ll be responsible for paying it directly to the repair shop. However, if your policy covers the full cost, the insurance company will handle the payment directly with the shop.

At Auto Glass 2020, we understand the importance of a smooth, hassle-free insurance claim process for windshield damage. By following these tips and knowing your rights and coverageyou can ensure that your vehicle is safely back on the road with minimal disruption. Remember, taking care of your windshield is not just about maintaining your car’s appearance; it’s about ensuring the safety of you and your passengers.

If you’re in Chandler, AZ, Phoenix, AZ, or the surrounding areas and need assistance with windshield replacement or have questions about the insurance claims process, our team at Auto Glass 2020 is here to help. Safe driving starts with a clear view. If you have a cracked windshield, trust Auto Glass 2020 and call us today at (480) 283-7751 or get a quote here.