If you’re in Arizona and your windshield gets damaged while you’re driving, you may be in luck — and not just bad luck. Arizona is one of the most driver-friendly states when it comes to windshield damage. Keep reading to learn more about you’re covered.
What Windshield Damage Coverage Do Arizona Drivers Have?
Arizona is one of six states with a free windshield replacement law. This means that full glass coverage is included with all Arizona comprehensive insurance policies. Even if your policy has a deductible, the deductible does not apply to windshield claims, and you won’t pay anything out of pocket.
What if I Have a Liability-Only Policy?
The windshield replacement law doesn’t apply to liability-only policies. Remember that liability coverage is for the harm you cause to other people, and comprehensive/collision coverage is for damage to your own car. In order for the windshield replacement law to apply, you need to have a comprehensive policy covering your car.
Why Does Arizona Have This Law?
Arizona is one of the leading states for windshield damage claims. This is due to a combination of geography, climate, and booming construction. Construction in hot, dry locations means more rocks and gravel being kicked onto the road and up into people’s windshields. In addition, hot desert days transitioning to cold nights creates thermals stress on windshields that can transform unnoticeable chips into large cracks. Because these conditions aren’t the fault of drivers and driving with a damaged windshield can be dangerous, Arizona wants drivers to get their windshields fixed as quickly as possible without having to worry about the cost.
Will My Insurance Rates Go Up After a Windshield Claim?
Your insurance rates generally won’t go up after a windshield claim. Unlike a crash, where it’s possible you could have avoided it with defensive driving even if you weren’t technically at-fault, a damaged windshield rarely has anything to do with how you were driving. If you’re simply unlucky and have to file a claim, you shouldn’t see a rate increase.
The exception may be if you have a high number or frequency of claims. This may indicate that you’re routinely driving in higher risk areas such as unpaved roads or around heavy construction. In those situations, the insurance company may decide to adjust your rating.
What if I Have Coverage From Another State?
Snowbirds, students, visitors, new residents, and others may have an auto insurance policy written in another state. In those cases, your insurance policy would typically follow the laws of that state rather than Arizona. Arizona’s windshield replacement law may not apply, and you may need to pay a deductible on windshield claims.
Be sure to confirm whether your insurance policy will follow you to Arizona. Your insurance policy may be based on you spending the majority of your time at the address you listed or require you to update your address within a certain number of days after moving. If you don’t follow the terms of your policy, your coverage may be invalid, and you may have any claims you file denied.
Talk to a Local Insurance Agent
Mooney Insurance can help make sure you’re covered by Arizona’s windshield replacement law or update your policy if you’ve recently moved. Contact us now to learn more.