Insurance FAQ

Auto Glass Insurance Claim Questions and Answers

If I file an insurance claim for auto glass won’t my rates go up?

This is the most common insurance related question that we receive.  In most cases, filing an auto glass claim has no effect on your annual insurance premium.   We say usually to protect ourselves because is it is impossible to monitor every insurance company, but in more than 10 years we haven’t ever heard of an insurance company increasing the premiums of a customer for filing an auto glass claim.  This is because auto glass coverage in Arizona (and a few other states) is handled differently than in the rest of the country.  In Arizona, insurance companies are required by law to offer their customers zero deductible, full auto glass replacement coverage.  (In other states, there is usually some kind of deductible.)  This is due to the fact that glass damage is such a common occurrence due to our climate and terrain.  This auto glass breakage coverage is considered an endorsement separate from the comprehensive coverage and typically adds a specific cost to the total policy premium.  Because this coverage is purchased for the specific purpose of reimbursing consumers for the cost of repairing or replacing their auto glass in Phoenix and surrounding areas, you should never hesitate to use the coverage and file a claim if you have damage.  If you are afraid to use the auto glass coverage then you should remove it from your policy and save yourself the money your insurance company is charging you for it.

Do I have to use the Phoenix auto glass company my insurance company recommends?

Definitely not.  Regardless of your insurance company, they will have an auto glass company they can and will often refer you to.  The biggest mistake you as a consumer can make is to let the insurance company decide which auto glass company repairs or replaces your auto glass.  Let’s face it; insurance companies are in business to make money.  If they can refer you to an auto glass provider that they have a financial arrangement with (and that will save them money at your expense) they will.  One large auto glass company in particular is the auto glass provider of choice for many of the large discount insurance companies.  Without getting into too many specifics relating to why it is bad to let your insurance company choose an auto glass shop for you, why not just hop online and read some reviews.  We live in a day and age where it is quick and easy to research a Phoenix windshield replacement company yourself.  Doesn’t it make more sense to contract with a company with lots of positive customer feedback and five star reviews?  At Blue Chip Auto Glass we work will all insurance companies and are considered a Preferred Vendor with many.  We also use only the best brands available, something that many of the larger insurance-partnered companies don’t do.

I think that I have auto glass coverage.  Is there any way to verify this without calling my agent?

At Blue Chip Auto Glass we are well versed in handling auto glass insurance claims from start to finish.  If you are uncertain about your auto glass coverage simply call us today and we can contact your insurance company for you.  We can usually have an answer with about 5 minutes.  Once your coverage is verified we can schedule your Phoenix windshield replacement at a time and location that is convenient for you.  If you don’t have coverage we can offer a competitive quote.

What if I have a deductible?

If we determine that you have a deductible associated with your auto glass coverage, we can often work with you to waive a portion of this deductible.  Just give one of our friendly and experienced auto glass representatives a call.

I have heard that chip repairs are always covered by insurance and not subject to a deductible.  Is this true?

In many cases (especially in Arizona) your auto policy will cover chip repair damage and your deductible won’t apply.  This is usually the case if you have comprehensive coverage.  If you only carry liability coverage, chip repairs are usually not covered.  Once again you can call one of our auto glass representatives and they can help to determine the extent of your windshield or auto glass coverage.

Will my insurance company pay for dealer parts when I have my windshield replaced?

In most cases your insurance company will only authorize the use of dealer auto glass parts in the event that your car or truck is a brand new (current year) vehicle or if aftermarket auto glass parts are not available.  We acknowledge that dealer parts are often the best option for ensuring a quality auto glass brand but in most cases your insurance company will be unwilling to pay the premium associated with the purchase of these parts. 

The good news is that at Blue Chip Auto Glass we can often find your original equipment brand in the non-dealership market.  For example we can usually find Carlite (OE) brand auto glass if you have a Ford without buying it at the dealership and paying a premium.  If that isn’t possible we can generally find a brand of equivalent quality.  Regardless of what we end up using to replace your windshield in Phoenix, you can be assured that it will be the best brand that your insurance company is willing to pay for.

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For any questions please call us at 602-885-5330. One of our customer service representatives will be happy to assist you.

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