Windshield damage is often unavoidable, there are always going to be risks while you drive on what oftentimes seem like lawless western roads. Unlike the risks of daily driving, having to pay out of pocket might be avoidable for some Arizona drivers.
Do you have the type of coverage that could make your windshield repair or replacement free? Did you know that this was an option? Trust me, the information below could save you hundreds of dollars a year with just one phone call to your insurance company. Before it mattered to me, I had no idea that we lived in one of the eight zero deductible states when it comes to windshield replacement.
Through clarification with your insurance company, you could enjoy the added benefit of peace of mind if you need a windshield replacement. You’ve just got to know the right questions to ask... That’s where I come in.
Is YOUR windshield covered?
Let me educate you on the ins and outs of getting the best coverage out of your insurance company, including how to navigate obtaining free windshield replacement.
I think I can speak for the majority here when I say that auto insurance and the laws surrounding it are confusing. Now, add some optional coverage laws to the picture and we’re even more confused. In the meantime, you’re just trying to get your windshield replaced so that you can avoid extra fines should you get pulled over and ticketed.
Arizona’s Zero Deductible Full Glass Coverage Law gives any insured driver an option to add the zero-deductible benefit to their plan. This state law is set and weaved into insurance laws. As an optional arrangement, windshield replacement coverage comes with some requirements; you must have:
· Current* and; Comprehensive vehicle insurance.**
Calling your insurance company and asking about those two things will put you in exactly the right spot behind the cue ball and possibly get that windshield replaced for free.
*Your insurance must be established and up to date with payment when you’re filing a claim to replace a windshield.
**This is not the state minimum insurance requirement (liability insurance). Liability insurance is the type of policy that only covers the damages that you make to other drivers if they are victim to the damages or an accident that you caused. Verify with your insurance company if you have questions.
Whether you’re purchasing a policy that adds windshield coverage for extra, or its built into your comprehensive plan, you will have access to this option as an Arizona resident.
PRO TIP: If you don’t have comprehensive insurance, it is most likely not financially favorable to file a claim with your insurance, especially if your deductible is not met. It is best to review your pricing options through insurance or going without a claim, then get in touch with us when you’re ready to schedule your service.
How does free windshield replacement work?
Usually, insurance companies don’t recognize windshield damage as damage on a comprehensive policy. Therefore, they do not raise premiums for those who get a windshield replaced even if it’s free.
When you need a windshield replacement, insurance companies actually PREFER that policyholders report the damage as soon as they can. To expedite this process, your insurance website should have an online portal where you can file this claim.
In Arizona, unless otherwise explicitly specified by your insurance company, you are authorized to get your windshield replaced by the business of your choosing.
While you’re free to choose whichever business you want to perform the windshield replacement or repair, it is your responsibility to choose a business that employs technicians that are certified through the Auto Glass Safety Council (AGSC) or chains that are part of the Independent Glass Association (IGA). Per AAA, the places where you’ll find bargain deals are also the places that are employing unaccredited installation technicians to install low-quality glass.
When you’re ready to schedule a service for windshield replacement or windshield repair, refer to my article complete with tips and steps on how to schedule.
In either case, your claims representative will be able to work with you to determine eligibility for free windshield replacement or repair, then schedule your service with us. Remember, if you have comprehensive insurance with the no-deductible windshield coverage while residing in Arizona, your windshield replacement or repair could be completely free.
Did you miss out on what your coverage offers?
If you’re like me and learning about this after you’ve gone and replaced your windshield out of pocket, you're not alone. I’ve navigated this road and am happy to leave some advice behind:
KEEP ALL YOUR RECEIPTS!
Truthfully, it will never hurt to keep the proof after any work has been done to your vehicle. In the case of windshield replacement, it is more important
IMPORTANT: Depending on your insurance company, you may be allowed to upload onto a portal or send a fax of your receipts and invoices. Be sure to include your name, policy including phone number, plus the details of the damage that caused the need for windshield replacement.
Be sure to find out beforehand which details your specific company needs and their preferred delivery method. Here’s an example of a AAA Reimbursement Form, so you have an idea of the type of information needed to start the process.
PRO TIP: You’ll thank yourself later should you need to prove anything to your insurance company. It’s also helpful if you want to prove the value of your car after years of responsible maintenance.
Whether or not you can avoid this fee, we advise you to check with your insurance company before you schedule a windshield replacement or repair. As the saying goes, it never hurts to ask. In most cases, this isn't something that your insurance agent is going to openly suggest that you include in your policy unless they're really pushing their agents to up-sell. They especially won't mention it if the coverage can be added for little to no extra money per month.
As an Arizona resident that has seen her fair share of windshield replacements and repairs, I’d say that adding this type of coverage gives me a certain peace of mind. You'll most definitely thank yourself the next time your windshield needs a replacement. You'd be able to make a claim, schedule your service with a trusted business like Hatch Auto Glass, and have a quality windshield replacement or repair done within a week. Easy!
As your trusted windshield replacement correspondent, I would love to know your thoughts on the article in the comments below and what else you'd like me to research for you!