Auto Glass Insurance FAQ’s

No fault windshield insurance car claimIs it necessary to first contact the insurance agent or company before having my auto glass replaced? No, Tempe Auto Glass Replacement will help with filing your insurance claim, verifying your coverage and scheduling your free appointment with our mobile service.


What is an auto glass endorsement or glass waiver? By law ARS 20-264, Arizona is one of the few states that are mandated to an offer separate auto glass endorsement or glass waiver with any comprehensive insurance policy. Typically, a glass waiver or endorsement is offered at a low premium cost (regulated by the Arizona Department of Insurance) such as $5 to $15 extra a month. What this means is that you can have a comprehensive deductible of say $250 or $500 and have a glass endorsement with a deductible of $0. So, any auto glass replacement including windshields would cost you nothing. In addition, if you use Tempe Auto Glass Replacement we will pay you $50 dollars at the time of service. So really, having the added glass endorsement on your policy can pay for itself after just one windshield replacement with us.


What is auto glass replacement no fault insurance coverage? Arizona law ARS 20-263, states that Arizona insurance companies cannot raise your insurance rates for any comprehensive claims that you did not cause or were not your fault which includes auto glass and windshield replacements.  Therefore, if your windshield got broken or vandalized that you were not at “fault” for than your insurance company cannot raise your rates.


How do I know if I have comprehensive insurance coverage? Typically, individuals will carry comprehensive 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 only carry liability insurance for a lower premium cost. Check your own auto insurance policy for more detailed coverage information or give Tempe Auto Glass Replacement a call and we will help you verify your coverage.


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 claim and getting insurance coverage. You can always ask. If you end up having a deductible or you don’t have 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 glass and prove to them that you had it replaced then they will pay for any additional occurrences if you added the glass endorsement.  Tempe Auto Glass Replacement offers the best, free, no obligation, low-cost auto glass 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 but not ethical.  Some insurance companies now require that you submit a picture of your windshield, come by one of their inspection offices, or they will send an inspector to your home or business before adding this additional coverage.


Do insurance companies cover the windshield chip repair costs? Most companies would rather waive the deductible and have the glass repaired rather than have it replaced since the cost is considerably less for a repair. Therefore, if you carry a comprehensive insurance policy regardless if you have a glass waiver or auto glass endorsement on your policy, most insurance companies will cover the full cost of the repair. So, if you have comprehensive coverage with a $500 deductible and your windshield is in repairable condition (up to 6 inches with insurance) than your insurance company will waive your deductible if the repair is successful. State Farm is the only insurance company (now) that requires you to have the glass waiver or endorsement on your policy for them to cover the cost of the windshield chip repair.


Will this auto glass 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.


What is auto glass replacement no fault insurance coverage? Arizona is one of the few states that offers auto glass replacement no fault insurance coverage. Arizona law ARS 20-264 states that insurance companies that write comprehensive coverage must offer policyholders auto glass replacement and glass 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 windshield claims that was not caused by you.


Is your company an approved auto glass repair shop for my particular coverage? Yes. Our company has the approval of most major companies offering coverage in Arizona.  In addition, Tempe Auto Glass Replacement  is a part LYNX Services and Safelite Solutions.  These two organizations work as glass administrators for most major insurance companies including; State Farm,LYNX,Allstate,Safelite Solutions,Farmers,American Family,Liberty Mutual,Hartford,Nationwide,Progressive,Esurance,and Geico.


Do I need to pay a deductible for my auto glass replacement? Each policy is different, however, we can help you to make a report of your insurance claim and verify your insurance coverage. If there is any deductible that you must pay, we can waive up to $50 of any deductible in lieu of our $50 Instant Cash Offer. Additionally, if you have a deductible higher than $250, most auto glass replacements will cost less than this therefore filing a claim will not be necessary. Furthermore, Tempe Auto Glass Replacement offers the  most competitive low cost auto glass replacement cost in the industry.


Is it difficult to file a claim for this type of insurance coverage? Most of the time a auto glass replacement claims can be filed with the company in less than 15 minutes.


Are there any special deals offered for replacing a car windshield? With every claim, our company offers a $50 cash incentive that is paid to the owner of the car.  If the car glass is fully covered through comprehensive insurance (and it is with most Arizona insurance) the owner of the car will get 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.


Will my insurance company have to pay more because you give me the $50 instant cash? No.  The price we charge the insurance company is set by contract.  This rebate is not passed on to the insurance company and comes out of Tempe Auto Glass bottom line. Bottom line.


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


How do I know who manufactured my automobile windshield? According to FMVSS, all car windshields that are manufactured and sold in the United States must have all of the manufacturing plant details list on the windshield including the Department of Transportation(DOT) code. Typically, it is called a bug and will be located in the bottom corner of your windshield. You can get this DOT code from the windshield and enter into the glassbytes/AGRR database to find out your windshield manufacturer details.


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


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 your car.


What about preferred companies for replacing the windshield on my car.  Must I choose them? Not according to the law.  It is the right of the car owner to select their own company to replace the 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.  Tempe Auto Glass Replacement is accepted by all insurance companies, honors the price offered by your insurance company and we give you 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 any perks go directly to you the car owner and not your agent or insurance company.


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


I only carry liability insurance.  Will it pay to replace my car windshield? No.  Liability insurance only pays for damage to other cars caused by you.  It does not cover the glass on your car.  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 cars windshield repaired instead of having it replaced? In many cases.  Most insurance companies that insure automobiles will waive any deductible if you have a car windshield chip repair rather than a full windshield replacement.  This is optimal for policies that have a deductible as high as $1000 or do not carry the $0 deductible glass endorsement.  With the deductible waived, the windshield chip repair is done at no cost to you and is billed to your insurance company directly. State Farm insurance is one notable exception.  State Farm will only cover the cost of windshield chip repair  if you carry the glass endorsement added to your policy. All other insurance companies will waive the deductible for a rock chip repair  regardless if you carry this endorsement or not.


What if auto glass replacement price less than my deductible? Auto glass replacements costs are generally less than $250 dollars.  If your insurance has a deductible greater than this amount, it is usually better to pay the expense yourself rather than using your insurance.  We offer several ways to pay including cash, credit and debit.


Are there other options to avoid the trap of the deductible? Arizona is one of the few states that requires insurance companies to offer customers full auto 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. Check with your insurance company or agent, and ask about glass endorsements.


Does the insurance only cover the car windshield? No. If you carry an auto glass endorsement on your comprehensive policy,  all the glass on your car is covered including; back glasses, quarter glasses, vent glasses, and sometimes car side-view mirrors.


Can the insurance company require that I have a windshield chip repair job rather than having a new car windshield replacement? No.  In most cases, the repair is the preferred method as it keeps the seal from the factory intact.  It can also save you time and your insurance company money.  Most insurance companies recommend repair for damage that is less than a dollar bill size.


Is it necessary to have an inspection of the windshield damage by the insurance company before repairs are made? In some instances.  Some companies, notably, Geico, USAA and American Family are now requiring that random windshields be inspected before authorizing the repair.  If your car 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 will authorize the windshield repair shop to do the necessary work.  This does delay the replacement process.


What information is needed by the insurance company when a auto glass claim is reported? The identity of the cars owner, information about the claim and the coverage are all gathered before authorization is made.  For more information about this process and a list pf common questions that are asked by your insurance company, visit our auto glass program page.


How long does it take to get an approval for an auto glass replacement or repair? Most of the time approval is given over the phone in fifteen minutes or less.


What about deductibles? Remember that most comprehensive policies in Arizona carry  the auto glass endorsement for car windshields. No deductible will be required as long as glass is the only damage to the car.  Policies can have a $250 comprehensive deductible but a $0 deductible for the glass.  If you are unsure about your policy coverage, give Tempe Windshield Replacement a call and we will be happy to assist you in acquiring about your windshield claim.

If you carry a high windshield deductible such as a $500 or $1000 deductible without a glass endorsement, it would be best not to file a claim and pay out of pocket.

When the deductible is less than fifty dollars, Tempe Auto Glass Replacement will waive that cost.  In these circumstances, our special $50 promotion will not be honored.

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


Are tints that are added aftermarket also covered? Yes. Most major insurance companies will cover to have aftermarket tint replaced if it was on the car prior to the replacement. In addition, Tempe Auto Glass Replacement, also provides aftermarket car tint services.