If you’ve ever had a chip or crack in your windshield, you might wonder: “Will my insurance cover this?” The answer depends on your policy, your deductible, and the type of damage. This guide will help Queen Creek, Tempe, and Phoenix drivers understand exactly what’s covered, what isn’t, and how to handle claims efficiently.
1. Understanding Your Coverage
Most comprehensive auto insurance policies in Arizona cover windshield repair and replacement, often with no deductible. Key points to know:
- Repair vs. Replacement: Small chips are usually covered fully as a repair. Cracks that require full replacement may be subject to your deductible depending on your policy.
- Full coverage vs. liability-only policies: If you only carry liability insurance, windshield damage is generally not covered, since it doesn’t affect other vehicles.
2. When Insurance Will Pay
Insurance will typically cover:
- Cracks caused by road debris or rocks
- Chips from hail or extreme weather
- Damage from accidents (if you have comprehensive coverage)
Tip for Arizona drivers: Desert conditions can make small chips spread faster. Even minor damage may qualify for a claim if addressed promptly.
3. How Deductibles Work
Some policies waive the deductible entirely for chip repairs to encourage early fixes.
For full replacements:
- If your deductible is $250 and the replacement costs $300, you pay $250, insurance pays $50.
- Many Arizona insurance providers partner with auto glass shops to minimize out-of-pocket cost for policyholders.
4. Filing a Claim
Steps to file a windshield claim efficiently:
- Contact your insurance provider and confirm your coverage.
- Schedule an appointment with a reputable shop — many, like Excellent Auto Glass, can handle the claim paperwork for you.
- Get your windshield repaired or replaced — mobile service is often available, so you don’t have to visit a shop.
- Confirm coverage and payment — your insurance may pay the shop directly.
5. Why Using a Certified Shop Matters
Insurance companies often require or recommend certified technicians. Why?
- Proper installation protects vehicle safety and ADAS calibration.
- Certified shops follow manufacturer specifications.
- Using an uncertified shop could lead to claim issues or denied coverage if something goes wrong.
At Excellent Auto Glass, we work directly with all major providers in Arizona to ensure claims are processed quickly and accurately.
6. DIY Repairs Are Risky
Some drivers attempt DIY kits to save money, but these can:
- Fail to bond correctly in Arizona heat
- Create distortions or bubbles in the glass
- Complicate insurance claims
Professional repair ensures safety, compliance, and long-term durability.
Final Thoughts
If you have a chip or crack, don’t wait. Most insurance policies make it easy to fix early damage with minimal cost. And in Arizona, acting quickly is crucial — the intense heat and sun can expand small chips into larger, unsafe cracks.
Call Excellent Auto Glass today — we handle insurance claims, mobile replacements, and full-service windshield care across Queen Creek, Tempe, Mesa, and surrounding areas.
