Auto Glass Insurance FAQ’s

We accept all insurance auto glass programs;State Farm,LYNX,Allstate,Safelite Solutions,Farmers,American Family,Liberty Mutual,Hartford,Nationwide,Progressive,Esurance,and Geico.Is there a necessity to first contact my agent when filing a windshield replacement insurance claim?

No. Reporting to your insurance company or agent is not a requirement. We can give you full assistance in filing your auto glass claim, get your coverage verified and we will also schedule your appointment with our free mobile with only one call. Or, File your Windshield Replacement Insurance Claim Now!


What is an auto glass insurance endorsement or glass waiver?

By law ARS 20-264, Arizona is one of the few states that are mandated to a offer separate auto glass insurance endorsements or glass waivers with any comprehensive policy. Typically, a auto glass insurance 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 repairs including windshield replacements would cost you nothing. In addition, if you use Glas Tek we will pay you $50 dollars cash at the time of service. So really, having the added auto glass insurance endorsement on your policy can pay for itself after just one windshield replacement with us.


What is windshield replacement insurance no fault 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” than your insurance company cannot raise your rates.


How do I know if I have comprehensive windshield replacement 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 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 auto glass insurance coverage or deductible; what then?

That is not a problem. Just contact us, and we will aid you in reporting the windshield replacement or auto glass insurance claim and getting coverage verified. You can always ask. If you end up having a deductible or you don’t have auto glass insurance coverage on your policy, you will at least know. You can also check to see how much your insurance company charges for the auto 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 auto glass endorsement.  Glas Tek offers the best,  free, no obligation, low-cost car windshield replacement prices in the industry.


When I check my deductible or when I inquire about a claim for a car windshield, will that cause my rates to be raised?

No. When you inquire from your insurance company about the coverage they provide then it is usually not taken to be a claim. In addition, by law, insurance companies cannot raise your rates for windshield replacement claims. However, if you report your claim to get coverage verification and you do not have glass coverage your insurance company will note that you told them your windshield was broken. Therefore, your insurance company will require that you have you pay for your broken windshield before you can add the glass endorsement or waiver.


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


Does my filing of  a car windshield replacement insurance claim have any effect on my rates?

No. According to state law 20-263 of Arizona; a claim of “no fault” for windshield replacement will not hike the 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. Glas Tek has now become a preferred member for most major 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 insurance windshield replacement 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 have a deductible or don’t have coverage, we will present you with all the possible options and you then can select the option that is best for you. We will waive up to $50 dollars of any comprehensive insurance deductible. Or, get a Car Windshield Replacement Price Now!


Is filing a insurance windshield replacement claim difficult?

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 Windshield Replacement Claim Online, and everything will be taken care with our help.


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

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


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 additional costs out-of-pocket for your insurer or you.


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 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 Windshield Repair Claim Now!


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 Glas Tek will try to have it covered from your insurer and you otherwise will get all your options.


How do I know who manufactured my automobile windshield?

According to FMVSS, all windshields that are manufactured and sold in the United States must contain the manufacturing plant details on the windshield including a Department of Transportation (DOT) code. Typically, this DOT code is called a windshield “bug” and is located on the bottom of all car windshields. You can get this DOT code from your car windshield and enter into the glassBYTES/AGRR database to find out who manufactured your particular windshield.


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

Great we are a member of  both Safelite Solutions and LYNX Services. However, by AZ Law ARS 20-469, you have the right to choose anyone to replace your car windshield.


For my auto glass installation can I select any shop for replacement of my car windshield?

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 auto glass repair, they have an obligation by this law to mention that you are free to choose any repair facility for windshield 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 a car windshield replacement?

You need to remember that by law you have every right to select any repair shop for the replacement of your car windshield that you desire. Usually the agent or insurer will have a “financial affiliation” with their “preferred” repair facility and it is them whom receive 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 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” repair shops. This is a win-win situation for you.


What happens when I have have only liability coverage?

This will only cover the damage which is caused to the other car, and so such a policy will not have coverage for your auto glass. But here too, Glas Tek will help you out, as we have the most competitive rates and accept all major debit and credit cards. Get a low cost Auto Glass Replacement Quotes Online!


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

There is a good chance as a most insurance companies forego deductibles and pay for the full windshield chip repair. For instance if you have a comprehensive deductible of $50 to $1000, and the windshield is repairable 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 the glass endorsement or glass waiver added yo your policy as mentioned earlier.


What if my deductible is high?

When you have $250 or above as your deductible then usually the cost for a car windshield replacement 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. So get a low cost, no obligation, free Car Windshield Replacement Price NOW! and remember we accept all major debit and credit cards and cash.


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 with the auto glass endorsement or waiver what glass is covered on my car by my insurance company?

All glass on your car including the back glass, quarter glass, vent glass, door glass, windshield, sun roof, side glass, 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 damage before you replace my car windshield?

Some of the insurance companies do want to, and a few of them require an inspection done randomly before they authorize the windshield replacement 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.


What details will the insurance company ask when I make a 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 windshield replacement shop that you have selected to get the work done. For more info visit our auto glass page for a full list of questions that your insurance company representative will ask when opening a windshield claim.


How much time is spent to report a car windshield replacement insurance claim?

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


What happens when there is a deductible on my insuance policy?

First you need to make sure that the representative of the insurance company is not confusing your comprehensive deductible with your glass endorsement or glass waiver deductible. Often times, unfamiliar out of state insurance representatives will look at your policy and tell you your comprehensive deductible without knowing that you have a auto glass endorsement with a $0 deductible on your policy. So, be sure that you are real clear to your representative that you want to know if you carry AUTO GLASS COVERAGE not your comprehensive insurance policy.  Most Arizona comprehensive policies carry an auto glass waiver or endorsement because of the low cost premium.

When you have a deductible which is as high as $250 then the cost of glass could be lower. In such a case you might want to get a Car Windshield Replacement Price for comparison. If your cost is going to be less than the deductible, then it advisable that you do not make a 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 in lieu of our $50 cash offer.


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

Yes. Insurers will cover the cost of reapplication of the aftermarket tint and you are lucky because Glas Tek does that as well.