It is often hard to decide whether to contact the insurance company or the agent in case of a windshield replacement insurance claim. Actually all that you need to do is make one call to Varsity Auto Glass so that we can help you file your windshield claim, answer any of your questions, verify coverage, schedule your convenient mobile appointment, and do all the necessary filing for your windshield insurance claim.
What is a glass endorsement or glass waiver?
By law ARS 20-264, Arizona is one of the few states that require insurance companies to offer a separate 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 glass replacement including windshields would cost you nothing out of pocket.
What is windshield 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 include auto glass and windshield replacements. Therefore, if your windshield got broken or vandalized and you were not at "fault" then your insurance company cannot raise your rates.
How do I know if I have a deductible?
If you are not sure whether you have windshield coverage or a deductible, you can call us to help you obtain coverage verification and report the claim if necessary. A call can never be a waste of time and could possibly save you money. So even if you do not have coverage or you find out you have a deductible, there are no risks in asking your insurance company about your policies coverage. At the very least, you will know your windshield coverage for future mishap and check on coverage costs if you don't carry it. In addition, Varsity Auto Glass provides the best prices in the industry for windshield replacements. Get a car windshield replacement price now!
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. Checking your auto insurance policy to see if you have a deductible for glass replacement is simple and easy. Just one quick call to Varsity Auto Glass, and we can find out for you in a matter of minutes.
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, then your insurance company will waive your deductible.
Will my Insurance rates go up if I make a claim?
Often people fear that their rates will be affected by making a claim for automobile windshield replacement. Law ARS 20-263 in the State of Arizona does ensure that rates are not raised if it is a "no fault claim" insurance windshield replacement claim. In the event damage is caused by kicked up rocks, natural disasters, extreme temperatures, vandalism or flying objects, the insurance company cannot increase your premium.
What do I have to do to file a claim?
It is not difficult to file an insurance claim for automobile windshield replacement. You can do so within about 10-15 minutes. Just call Varsity Auto Glass, and we will take care of the rest. We will answer all of your questions, put you in contact with you insurance companies claim administrator, stay on the line with you to guide you through the entire process, and schedule you a free, no hassle, mobile appointment.
I'm pretty sure that I have a deductible.
If you think you have a deductible, you need to make sure that there is no confusion between glass coverage and the collision or comprehensive coverage on your insurance policy. Glass coverage is a separate endorsement on comprehensive insurance policies and are often missed or misread by agents and policyholders. Be sure to ask specifically about windshield coverage and the required deductible. Most agents add this coverage to your policy because it is such a low premium cost and is needed in Arizona.
What Type Of Auto Glass Should I Have Installed In My Car?
Dealer, OEM, or Aftermarket Auto Glass?
It can be a bit confusing, as there are three different types of auto glass you can choose from: (1) Dealer glass, (2) Original Equipment Manufacturer (OEM) distributor glass, and (3) Aftermarket glass.
1. Dealer Auto Glass
This is the windshield or other auto glass that you purchase from an automobile dealership authorized by the vehicle manufacturer to service your car. This glass is sourced from the same OEM distributor that manufactured your auto glass originally, and will often (but not always), have the vehicle's make stamped on it. If you own a Mercedes and absolutely have to have the Mercedes logo on your replacement windshield, by all means go to your dealer.
2. OEM Distributor Auto Glass
OEM glass is made to the same specifications as dealer glass, but not necessarily by the same distributor. For example, OEM Ford windows are the same color, durability, thickness, size, and shape as the original windshield specs from Ford. Windows labeled "OEM" are virtually identical to dealer glass except they aren't always made by the same company that originally contracted with your vehicle manufacturer.
Why? Automobile companies change auto glass contracts from year to year, so the company that made your 2012 Chevy window glass may not be the same company that manufactured your 2018 Chevy window glass.
Let's say you need a new Honda windshield for your Accord. Your Honda window may have originally been produced by AP Tech, so that's the brand you'd get if you went to the dealer. But if you went to an auto glass shop, you'd get your Honda window from another reputable OEM distributor (Pilkington or PPG, for example) who makes the exact same windshield, to the same specifications. Because your windshield wasn't made by AP Tech, it doesn't qualify as dealer auto glass, but it's just as good. It's so good that if you return a leased vehicle with an OEM distributor windshield, it will still be accepted by the dealer. All OEM distributors contract with one or more of the various car manufacturers, and that's what qualifies them as Original Equipment Manufacturers. OEM is a good choice for your Honda Accord.
3. Aftermarket Auto Glass
Aftermarket glass is made by companies that do not contract with any car manufacturers, and do not have the legal right to manufacture auto glass to the exact same specifications as OEM distributors due to licensing and copyright laws. Safelite is one of the main aftermarket or "original equipment equivalent (OEE)" auto glass manufacturers. Aftermarket glass is significantly cheaper than OEM or dealer glass. It's usually a different thickness than OEM glass, and most dealers will not accept aftermarket glass when you return a leased vehicle because the glass differs so much from the original design, and does not carry the same guarantees as OEM auto glass.