Auto Glass Insurance FAQ’s

Is there a necessity to first contact my agent or insurance company?Car windshield installations

No. We give you full assistance in filing your auto glass claim of insurance, get coverage verification and we will also schedule your appointment with free mobile with only one call. You can also start your auto glass claim online now with Ahwatukee Windshield Replacement.


Does my filing of an auto glass claim for windshield have any affect on my insurance rates?

No. According to state law 20-263 of Arizona; a claim of “no fault” for auto glass repair or replacement will not hike the rates. Hence your insurance provider cannot raise your rates when the accident is due to vandalism, flying objects, kicked up rocks, natural disasters or extreme temperatures.


What is auto glass no fault insurance coverage? Arizona is one of the few states that offer this kind of coverage. Arizona law ARS 20-264 states that insurance companies that write comprehensive coverage must offer policyholders auto glass replacement coverage with a $0 deductible. In other words, a separate glass endorsement, with low cost premium; typically about $5-$15 a month and controlled by the Arizona Department of Insurance. Arizona law ARS 20-263 , includes the “no fault” insurance claim part which means that insurance companies cannot raise your rates due to any comprehensive auto glass claims that was not caused by you.


How do I know if I have comprehensive auto glass insurance coverage?

Typically, individuals will carry comprehensive auto glass insurance coverage on their policy when their car is leased or they are still making payments to the bank for their automobile. Often individuals that own older cars and have already paid off their car loans will typically only carry liability insurance for a lower premium cost. Check your own auto insurance policy for more detailed coverage information.


I do not know whether I have a coverage or deductible; what then?

That is not a problem. Just contact us, and we will aid you in reporting the auto glass claim and getting insurance coverage. You can always ask. If you end up having a deductible or you don’t have auto glass coverage on your policy, you will at least know. You can also check to see how much your insurance company charges for the glass endorsement each month for future reference. However, all calls are recorded therefore if you don’t have coverage and you want to add it for the future, you can’t just wait for it to take affect and have your auto glass replaced for no charge. Your insurance company will make you pay for your current broken auto glass and prove to them that you had it replaced then they will pay for any additional occurrences if you added the glass endorsement.  Ahwatukee Windshield Replacement offers the best,  free, no obligation, low-cost auto glass repair and  replacement prices in the industry.


What if I don’t have auto glass coverage and I have a broken windshield, can I just add it to my policy and wait a few months to have it replaced?

Possibly. Some insurance companies now require that you submit a picture of your broken windshield, come by one of their inspection offices, or they will send an inspector to your home or business before adding this additional coverage


Does Ahwatukee Windshield Replacement have an approval of the insurance company whose policy I have?

Yes. Ahwatukee Windshield Replacement has now become the preferred member for a lot of insurance companies which include Esurance, Met-Life, AIG, Nationwide, Progressive, Liberty Mutual, American Express, Costco, Encompass, Travelers, AAA, Allstate, Hartford, USAA, Farmers, Geico, American Family and a lot more. Our preferred membership also extends to third parties like LYNX service and Safelite Solutions who service a lot of insurance companies as administrators.


I do not know whether I have a auto glass coverage or deductible; what then?

That is not a problem. Just contact us, and we will aid you in reporting the claim and getting insurance coverage. You can always ask. If you have a deductible or don’t have coverage, we will present all the possible options and you can select as per your requirements. In fact, you can get a free low cost auto glass replacement price instantly with Ahwatukee Windshield Replacement.


Is filing an auto glass insurance claim complicated?

Not at all. Usually the whole process is completed within 15 minutes. You just need to directly call our shop locally or you can file your insurance auto glass claim online, and everything will be taken care of by us.


Are there any special offerings for claims of replacement of auto glass insurance?

Yes. We give cash back of $50 with any claim of windshield insurance. If you have a comprehensive policy which gives you coverage for full glass then we will give you CASH of $50 at the time of service. You do not have to wait; the cash is yours immediately after the completion of the job.


With your auto glass program of $50 cash-back, is my insurer up-charged?

Definitely not. We respect the contract pricing of all insurers and hence there will not be any costs out-of-pocket for your insurer or you.


Will my insurer be covering the original manufacturer equipment Factory/OEM auto glass?

Sometimes it is possible. Certain insurance companies, for current autos minus a single or couple of years are covering OEM glass. What this means is that if the current year of your car  is 2011, some insurance companies will cover the years 2009 through 2011. In any case, Ahwatukee Windshield Replacement will attempt to have it covered from your insurer or otherwise give you all your other options.


My agent told me that I could avail any service and should just make sure that they are a Safelite Solutions or LYNX Services member?

That is ideal, as we proudly state that we have membership for both Safelite and LYNX Services. However, by Arizona state law, you have the right to choose any auto glass repair facility.


For my glass installation can I select any shop for auto glass repair?

Yes. As per State Law 20-469 of Arizona, you can rightfully select any  auto glass repair service, for the loss or repair of the glass of your motor vehicle. Actually even when your insurer or insurance agent is referring you to a shop for  auto glass repair of their choice, they have an obligation by this law to mention that you are free to choose any repair facility for  auto glass replacement, and get the services of anyone you wish.


What happens when my agent or insurance company is recommending to me their “preferred” company for auto glass?

You need to remember that by law you have every right to select the repair facility of auto glass that you desire. Usually the agent or insurer will have a “financial affiliation” with their “preferred” auto glass repair facility because it is they who receive benefits in the form of kickbacks, gift cards, lunches and discounts, and not you. We on the other hand have a clean and open policy and respect and accept every insurance company, honor their pricing, do not up-charge and also provide a lifetime warranty nationwide. The difference here is, YOU get all the benefits and are only charged the same as the “preferred” auto glass repair shops. This is a win-win situation for you.


When I check my deductible or when I inquire about a claim of auto glass repair or replacement, will that cause my rates to be raised?

No. When you inquire from your insurance company about auto glass repair coverage they provide then it is usually not taken to be a claim. Furthermore, no fault auto glass claims do not affect your insurance rates, by law.


What happens when I have got only liability coverage?

This will only cover the damage which is caused to the other automobile, and so such a policy will not have coverage for your glass. But here too, Ahwatukee Windshield Replacement will help you out, as we have the most competitive rates and accept all major debit and credit cards. Get your auto glass replacement price now!


Is there a possibility of having my deductible waived by my insurance company if I get my auto glass repaired and not replaced?

There is a good chance as quite a few insurance companies forego deductibles and pay for the full repair. For instance if you have a comprehensive deductible of $50 to $1000, and the windshield break is repairable then your insurer will cover the full windshield chip repair cost. You will find an exception to this practice, when you consider the company policy of State Farm. This insurance provider will only cover the auto glass repair cost, if your policy has a glass endorsement.


What if my deductible is high?

When you have a deductible of $250 or above  then usually the cost of auto glass will be lower than that amount. In such a case it is advisable to pay the amount yourself rather than claim it on your insurance. Ahwatukee Windshield Replacement offers low cost online auto glass replacement prices and accept all major debit and credit cards.


Are you aware that as per Arizona law ARS 20-264 the policyholder should be given an option of auto glass coverage in full without deductible? What this means is, you have a choice of paying a small premium and purchasing coverage for auto glass with no deductible. Usually the additional cost will be only between $5 to 15 every month and is quite worth it. Luckily among the states, Arizona is one of the few which offers this type of coverage.


If I have comprehensive coverage what type of auto glass is covered by my insurance company?

Usually all types of auto glass is covered with comprehensive coverage by many insurers and they include the back glasses, quarter glasses, vent glasses, door glasses, windshields and even mirrors are covered sometimes.


Can my insurance provider impel me to repair my auto glass windshield rather than have it replaced?

No, they cannot force you, but they will prefer you repair your auto glass windshield as the repairing will save time and money and also keep the original seal of the factory intact. When the size of the repair of the windshield is less than a dollar bill, it is strongly recommended by the insurance company to have it repaired and not replaced.


Will my insurer want to make an inspection of the damage before you do the auto glass windshield installation?

Some insurance companies do require an inspection done randomly before they authorize the auto glass repair shop to go ahead and perform the work. Such companies include Geico, USAA and American Family. If your inspection is randomly chosen then the company sends an insurance inspector/adjuster to verify the location and extent of the damage to the glass. Once the verification is complete Ahwatukee Windshield Replacement will be  authorized to proceed with the work. The only problem is that this could delay the installation or repair of your auto glass.


What details will the insurance company ask when I make an auto glass claim?

The insurance company will do a verification of your identity, collect information about the auto glass claim, do coverage verification and then give authorization to the auto glass repair shop that you have selected to get the work done. Visit our insurance auto glass program page for more information on insurance claim filing questions.


How much time is spent on the phone filing an auto glass repair claim?

Usually the full process should not take more than a 15 minutes of your time.


What happens when there is a deductible on my car insurance policy?

First you need to make sure that the representative of the insurance company is not confusing your collision or comprehensive coverage with auto glass coverage. Sometimes, uninformed insurance representatives will look at your insurance policy and say you have a auto glass deductible when you really don’t. Remember, Arizona is just one of the few states that offer full auto glass coverage on your comprehensive policy. So, you can have a $500 collision/comprehensive deductible and still carry a $0 deductible on auto glass.

When you have a deductible which is high as $250 then the cost of auto glass could be lower. In such a case you might want to get an auto glass replacement cost for comparison. If your cost is going to be less than the deductible, then it advisable that you do not make an auto glass claim. This also helps in “saving” a claim from appearing on your policy.

If your deductible is up to $50 we can waive it for you, but more than this we cannot provide any promotions or specials.

You should know that most of the major insurance providers provide this coverage at very reasonable cost and it is likely the many policy holders in Arizona will not even know that they are carrying this coverage.


My auto glass window has a tint which is aftermarket, can this be replaced?

Yes. Insurance companies will cover the cost of reapplication of the aftermarket tint and your in luck because Ahwatukee Windshield Replacement does that too.