Auto Glass Insurance FAQ’s

No fault windshield insurance car claimIs there a necessity to first contact my agent or insurance company before filing a auto windshield insurance claim?

No. We will give you full assistance in filing your claim of insurance, get coverage verification and we will also schedule your appointment with our free mobile service with only one call. Start your Auto Glass Repair or Replacement Claim Now!


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 Peoria 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 rates for any 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 and 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 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 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.  Peoria 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 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 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 auto glass waiver or 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. Start your Auto Glass Repair or Replacement Claim Now!


Does my filing of a claim for auto glass replacement have any effect on my rates?

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



Does your establishment have an approval of the insurance company whose policy I have?

Yes. Peoria Auto Glass 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. Regardless, you have the right to choose any auto glass repair shop of your choice regardless of who your insurance company or agent recommends. In addition, they must advise you of this right with any recommendations. See our auto glass program page for more details about auto glass claims and your insurance company.


What if I don’t have 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 windshield, come by one of their inspection offices, or they will send an inspector to your home or business before adding this additional coverage.


Is filing an insurance claim for auto glass replacement 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 Auto Glass Replacement Claim online, and everything will be taken care of by us.


Are there any special offerings for claims of replacement of windshield insurance?

Yes. We give instant cash 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 $50 during the service itself. You do not have to wait; the cash is yours immediately after the completion of the job.


With your auto glass program of $50 instant cash, is my insurance company up-charged?

Definitely not. We honor the contract pricing of all insurance companies and hence there will not be any costs out-of-pocket for your insurance company or you.


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

Sometimes it is possible. Certain insurance companies, for current automobiles minus a single or couple of years are covering OEM glass. What this means is that if the current year is 2011 the coverage will be from 2009 to 2011. In any case Peoria Auto Glass Replacement will try to have it covered through your insurer and you otherwise will get all the options available to you.


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

That is ideal, as we proudly state that we have a membership for both Safelite Solutions and LYNX Services.


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

Yes. As per State Law 20-469 of Arizona you can rightfully select any repair service for glass, 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 glass repair, they have an obligation by this law to mention that you are free to choose any auto glass repair shop, and get the services of anyone you wish.


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

You need to remember that by law you have every right to select the repair facility of auto glass replacement that you desire. Usually the agent or insurer will have a “financial affiliation” with their “preferred” repair shop and it is them whom will receive all the 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 contract pricing, do not up-charge and also provide a lifetime warranty nationwide. The difference here is, YOU get all the benefits and we charged the same as your insurance companies “preferred” repair shops. This is a win-win situation for you.


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

No. When you inquire from your insurance company about your policy coverage they provide for you then it is not taken to be a claim.


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 windshield. However, Peoria Auto Glass Replacement offers free, no obligation, low cost  auto glass quotes online  and accept all major debit and credit cards.


Is there a possibility of having my deductible waived by my insurance company if I get it my car windshield 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 is in a state which can be repaired successfully then your insurer will cover the full 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 repair cost, if your policy has a auto glass endorsement.


What if my automobile insurance policy deductible is high?

When you have $250 or above as your deductible then usually the cost of auto glass replacement will be lower than that amount. In such a case it is advisable to pay the amount yourself rather than claim it from your insurance. So Ask for a Quote Now and remember we accept all the main 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 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 glass is covered by my insurance company?

All auto glass is covered with comprehensive coverage and  include the back glass, quarter glass, vent glass, door glass, windshield, sun roofs and even mirrors are covered sometimes.


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

No, they cannot force you, but they will prefer you repair 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 auto glass damage before I do the installation?

Some of the insurance companies do want to, and a few of them require an inspection done randomly before they authorize the auto glass repair shop to go ahead with their 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 we are authorized to proceed with the work. The only problem is that this could delay the installation or repair of your glass. Visit our auto glass replacement program page for more information on this topic.


What details will the insurance company ask when I make a car windshield replacement insurance claim?

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


How much time is spent on this conference call reporting an automobile glass claim?

Usually the full process should not take more than 15 minutes which includes reporting the claim,, verifying your coverage, and scheduling your convenient mobile appointment.


What happens when there is a deductible in my automobile insurance policy?

First you need to make sure that the representative of the insurance company should not confuse the coverage on glass with collision or comprehensive coverage. Most Arizona auto glass replacements are covered by comprehensive when you are not claiming any other damage. You could have a $0 deductible on glass and a $250 deductible under your comprehensive coverage. Sometimes, unfamiliar, (out of state) insurance companies don’t realize that Arizona has an additional “glass endorsement” law that is part of the comprehensive policy which entitles policyholders to a different deductible amount (typically, $0) for glass.

When you have to pay a deductible which is as high $250 then the cost of glass could be lower. In such a case, you may want to get a free, no obligation, low cost auto glass price quote from Peoria Auto Glass Replacement.  If your cost is going to be less than your deductible, then it is advisable that you do not make a insurance claim.

If your deductible is up to $50 we can waive it for you in lieu of our $50 instant cash offer.


What is auto glass replacement 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 windshield 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 claims which include car windshield replacements that was not caused by you.


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

Yes. Your insurance company will cover the cost of reapplication of the aftermarket tint if it was tinted previously and you are in luck because Peoria Auto Glass Replacement does that too!