Does Arizona Insurance Cover Windshield Replacement With No Deductible?

A Cracked Windshield Is Common In Arizona

Arizona is tough on windshields. Between freeway gravel, road construction, desert dust, summer heat, and sudden temperature changes, even a small chip can turn into a long crack before you have had time to think about it.

That is why many Arizona drivers ask the same question: will insurance cover windshield replacement with no deductible?

The answer depends on your policy, but Arizona is one of the better states for auto glass coverage. If you carry comprehensive coverage, your insurer must offer glass coverage for damaged safety equipment. That can include windshield repair or replacement without applying your normal deductible, as long as you selected that coverage.

What Zero Deductible Glass Coverage Means

Zero deductible glass coverage means you may be able to have your windshield repaired or replaced without paying out of pocket at the time of service.

This is different from simply having basic liability insurance. Liability coverage protects other people when you cause damage. Comprehensive coverage is the part of your policy that usually handles things like theft, storm damage, vandalism, falling objects, and glass damage.

If you are not sure whether you have glass coverage, check your declarations page or call your insurance company. Look for wording such as full glass, safety equipment, glass endorsement, or zero deductible glass.

Will A Windshield Claim Raise Your Rate?

This is another common worry. Nobody wants to fix a windshield and then find out later that the claim hurt their insurance rate.

Arizona law gives drivers some protection when an accident or claim was not caused by them. A rock hitting your windshield on Loop 101, I 10, US 60, or another Arizona road is not something you planned or caused.

That said, every policy is different. It is always wise to ask your insurance company how the claim will be handled before you approve the work.

Why You Should Not Wait Too Long

A small chip may be repairable today, but that does not mean it will stay small. Arizona heat can make glass expand. Air conditioning can cool it quickly. That constant stress can help a chip spread across the windshield.

Once a crack gets too large, replacement may be the only safe choice. If the damage is in the driver’s line of sight, near the edge of the glass, or spreading quickly, it should be looked at as soon as possible.

Dave’s Metro Auto Glass Can Help

Dave’s Metro Auto Glass helps Arizona drivers with windshield repair, windshield replacement, and mobile auto glass service. If you are in Phoenix, Glendale, Tempe, Peoria, Scottsdale, Mesa, or the surrounding area, our team can help you understand your options and get your glass handled properly.

Call Dave’s Metro Auto Glass Today

Do not let a small glass problem turn into a bigger safety issue. Contact Dave’s Metro Auto Glass today for friendly help with windshield repair or replacement in the Phoenix metro area.

References

Arizona Revised Statutes, Section 20 264
https://www.azleg.gov/ars/20/00264.htm

Arizona Revised Statutes, Section 20 263
https://www.azleg.gov/ars/20/00263.htm

Dave’s Metro Auto Glass
https://davesmetroautoglassaz.com/

Dave’s Metro Auto Glass Offers Windshield Replacement

Dave’s Metro offers cheap windshield replacement to all areas of Phoenix including:Phoenix, Scottsdale, Tempe, Chandler, Glendale and more. We offer on-site or off-site windshield replacement which allows us to come to your home, office or anywhere else in the Phoenix Valley. We can handle windhsield replacement for Semi trucks, RV’s and Buses, Heavy Equipment Glass, and more. We also offer custom glass cutting.

At Dave’s Metro Glass we want your repair to be hassle free. This is why we offer a free mobile service to you. We want our customers to know that they have the option to come in the shop but when they prefer mobile service there will be no extra charge.  In most cases, we are able to provide mobile service the same day![/vc_column_text][/vc_column][/vc_row]