Arizona State Law Addresses Windshield Replacement Claims

Same Day Windshields® works with insurance carriers to help customers who carry comprehensive insurance coverage in Arizona benefit from an important Arizona state law and insurance regulation. The deductible provision in such a policy is not applicable to windshield replacement claims, so your insurance company will waive your deductible to replace your windshield.

Insurers waive your comprehensive deductible for windshield replacement costs – with as low as no out-of-pocket cost to you as a policyholder – if you carry full coverage (comprehensive) glass waiver in Arizona on your vehicle. Insurers are required to offer a $0 deductible for windshield replacement on full coverage policies, and you must have chosen the $0 deductible option on your policy.

Arizona Revised Statutes (ARS) 20-263 states that filing a “no fault” cracked windshield replacement claim will not raise your rates. Here is the exact language in ARS 20-263:

“No insurer shall increase the motor vehicle insurance premium of an insured as a result of an accident not caused or significantly contributed to by the actions of the insured. Any insurer which increases the premium as a result of accident involvement shall notify the insured of the reason for such increase.”