Auto Glass Repair Insurance FAQ’s

auto glass repair insurance program

Is it necessary to call my insurance agent before filing a auto glass repair claim? You do not need to call your insurance company. Our representatives can assist you in filing your auto glass repair insurance claim, verifying your policy and scheduling your repair service with just one phone call.


What is an auto glass repair endorsement or glass waiver? By law ARS 20-264, Arizona is one of the few states that are mandated to offer a separate glass endorsement or glass waiver with any comprehensive insurance policy. Typically, this 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 glass repair including windshields would cost you nothing. In addition, if you use Glendale Auto Glass Repair 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 repair 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 repair & replacements.  Therefore, if your auto glass got broken or vandalized that you were not at “fault” 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.


I do not know whether I have auto glass repair coverage or deductible; what then? That is not a problem. Just contact us, and we will aid you in reporting the auto glass repair 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 windshield replaced for no charge. Your insurance company will make you pay for your current broken windshield and prove to them that you had it replaced then they will pay for any additional occurrences if you added the glass endorsement.  Glendale Auto Glass Repair offers the best, free, no obligation, low-cost auto glass replacement in the industry.


What if I don’t have auto glass repair 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 or legal.  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 auto 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 repair 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 my insurance rates be affected if I file an auto glass repair claim? People who file a “no fault claim” for auto glass repair are protected by Arizona state law. Insurance companies are prohibited from raising a customer’s rates if a claim is made for damage from a natural disaster, vandalism, extreme weather temperatures or flying objects.


Does my insurance company approved your auto glass repair services? Glendale auto glass repair & replacement has agreements with numerous insurance companies. Both of these companies serve as third party administrators for several insurance providers. In addition, by Arizona state law, you have the right to choose any auto glass repair facility you would like.


I do not know if I have auto glass repair coverage or a deductible. Can you still help me? Yes. Contact us and a representative will assist you in reporting your auto glass repair claim and receiving your coverage verification. It never hurts to ask. Even if you do not have coverage or you carry a large deductible, our representatives will present all the options available so you can make an informed choice. In addition, Glendale Auto Glass Repair has the most competitive auto glass replacement prices in the industry.


How difficult is it to file a insurance claim for auto glass repair? The process is actually quite simple and it will typically take no more than fifteen minutes to file the average claim. Simply start your auto glass repair insurance claim online or call us directly and let our representatives handle the rest.


Do you offer any auto glass repair discounts or rebates? Yes. Every person who files an auto windshield replacement insurance claim is eligible to receive $50 cash back. Any customer that carries full coverage for glass on a comprehensive policy qualifies to receive $50 cash when the service is completed. There is no waiting period. You receive cash when the job is done.


Does my insurance company have to pay more to offset the $50 incentive program? There is never an additional cost to you or your insurance provider. We automatically accept all contract pricing and there are no surprise charges.


Will my insurance policy cover OEM glass or factory manufactured windshields? In some cases they will. Some insurers will only pay for OEM glass if the auto is less than two years old. If the claim is filed in 2011, coverage is good for car models from 2009 through 2011. Glendale Auto Glass Repair & Replacement representatives will make every attempt to have your charges covered by the insurance company. If this is not possible, you will be made aware of all other options available to you.


My insurance company has approved only companies that are members of Safelite Solutions or LYNX Services. Can you still help me? Yes. We are members of both LYNX Services and Safelite Solutions.


Will I be allowed to choose which auto glass repair shop I want to replace my windshield? Absolutely. State law gives consumers the right to have any facility handle repairs or replacement of the glass in your automobile. Even if you receive a referral for a auto glass repair shop from your insurance agent, the insurance provider is required by law to tell you that you can select any auto glass repair facility and you are therefore not obligated to use their referral.


What do I do if my insurance agent tries to convince me to use the insurance provider’s referral instead of choosing my own auto glass repair shop? Your insurance company may have a working relationship with the shop they refer you to. In some cases they receive incentives from the auto glass repair shop. All you have to do is remember that you do not have to take the referral. The law allows you to make your own decision regardless of what the insurance carrier or agent suggests. Our services are accepted by all carriers. With our services you get all the incentives (not your agent) and a lifetime warranty that will be honored anywhere in the country.


Will my insurance carrier raise my premium if I inquire about a deductible or ask questions about auto glass repair? Asking your insurance provider questions about your policy is not the same as filing a claim. Your rates will not go up. In addition, auto glass insurance no fault insurance claims will never affect your rates by Arizona state law.


My policy only has liability coverage. Can you still help me? Glass replacement is not covered under liability insurance. This type of insurance will only cover repairs to another automobile.  We offer very competitive auto glass quotes online and can accept payment by cash, credit or debit cards.


If my auto windshield can be repaired rather than replaced will my insurance provider waive the deductible? In most cases, yes. If your policy includes a comprehensive deductible from $50 to $1000, and it is possible to repair the windshield, the carrier will waive the deductible and pay for the cost of any repairs. State Farm is the lone exception. Auto Owners requires policyholders to have a glass endorsement on the policy.


What happens if my deductible is high? Most auto glass repairs can be repaired for less than $250. If your deductible is higher than that, it will be worth it to pay for the replacement yourself.  We accept payment by cash, credit card or debit card.


Were you aware that Arizona State Law ARS 20-264 requires insurance carriers to offer an option that includes auto glass repair coverage with no deductible? Car owners in Arizona can purchase coverage for auto glass repair with no deductible. This  cost is usually between $5 and $15 more each month, but it is a good investment. There are only a few states that require carriers to offer this type of coverage.


What falls under comprehensive glass coverage? Most carriers will handle costs to repair or replace the windshield, vent windows, door glass, back glass and quarter glass.


Can the insurance carrier pressure me to have a windshield repaired instead of replaced? No. Having the windshield repaired is less expensive for your insurance, takes less time for you and leaves the seal intact. If the damage is smaller than a dollar bill, most insurance providers will recommend the windshield be fixed rather than replaced. However, if you have glass coverage it is still your preference, since you pay the additional auto glass insurance premium.


Do I need to let the insurance provider inspect the auto glass before I have it fixed? Some providers will provide authorization only after inspecting the damage. These inspections are random and if one is required, the company will send someone to your location to document the damage. Upon verification, the adjuster will authorize us to do the repairs. These inspections will delay service. Receive more information about insurance windshield claims and your insurance company on our auto glass program page.


What questions will the insurance provider ask when I make an auto glass repair claim? You will be asked to provide your name and policy number. The insurance representative will then verify your policy and authorize the auto glass repair shop you choose to do the repairs. More information can be found on our auto glass program page.


How long does it take to file an auto glass insurance claim? Most auto glass repair claims can be filed in fifteen minutes or less.


I have a deductible. What happens now? Verify your deductible amount by calling us or file your auto glass insurance claim online. Often times, individuals will mistake there comprehensive or collision deductible as the due deductible. However,it is possible to have a auto glass deductible of $0 and a comprehensive deductible or collision deductible of $250.

If the deductible is $250 or higher, an auto glass replacement will likely cost less than that. If the auto glass repair quote comes in under your deductible, it may be worth paying for the repair instead of filing a claim.

We will waive your deductible if it is $50 or less but we cannot offer any other promotions or specials with this deal.

The cost of this type of coverage is often very affordable. Many consumers in Arizona have auto glass coverage and are not even aware of it.


My windshield has aftermarket tint. Will the tint be replaced? Insurance policies will cover the reapplication of aftermarket tint and Glendale Auto Glass Repair does that too.