Arizona Windshield Replacement Laws

Does Arizona Law Really Cover Windshield Replacement for Free?

Arizona law (ARS § 20-263) requires insurance companies to offer a $0 deductible option for windshield replacement under comprehensive coverage.

What this actually means:

• You can pay $0 out of pocket for windshield replacement
• But only if you selected this coverage on your policy
• It is not automatically included

👉 Many drivers think all windshield replacements are free—this is one of the biggest misconceptions we see.

At 1st Shot Auto Glass, we verify your coverage before starting so you know exactly what to expect.

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Will a Windshield Claim Raise Your Insurance Rates?

In most cases, windshield replacement falls under comprehensive (no-fault) coverage.

Typically:

• It does not raise your premium
• It is treated differently than an accident claim

However:

• Insurance companies may review frequent claims
• Filing multiple claims in a short period could affect your policy

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Is It Illegal to Drive With a Cracked Windshield in Arizona?

Yes—if the damage affects safety or visibility.

Under ARS § 28-957.01, your vehicle must have a windshield that:

• Does not obstruct the driver’s view
• Maintains structural integrity

You could get a ticket if:

• The crack is in your direct line of sight
• The damage spreads across the windshield
• The glass is weakened and unsafe

There’s no exact size written into law, but generally:

• Cracks longer than a few inches
• Chips directly in front of the driver

…are strong indicators replacement is needed.

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Does the $0 Deductible Apply to All Auto Glass in Arizona?

Not always—and this is where many drivers get confused.

In Arizona, insurance companies are required to offer full glass coverage as part of comprehensive insurance. If you’ve selected this option, it may cover more than just your windshield.

Depending on your policy, coverage can include:

• Front windshield
• Side windows
• Rear glass
• Other safety glass components

However, coverage is not automatic and can vary by provider.

• Some policies include full glass coverage by default
• Others require you to specifically opt in
• Certain items (like sunroofs or specialty glass) may have limitations

👉 The most important step is verifying your specific coverage before filing a claim.

At 1st Shot Auto Glass, we check your policy for you so you know exactly what’s covered before any work begins.

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What About ADAS Recalibration?

Many modern vehicles include safety features like:

• Lane departure warning
• Forward collision alerts
• Adaptive cruise control

These systems rely on cameras mounted to your windshield.

After replacement:

• Recalibration is often required
• It is usually covered under your comprehensive policy

At 1st Shot Auto Glass, we ensure your system is properly recalibrated so your vehicle remains safe.

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What Arizona Drivers Should Know Before Filing a Claim

• You must opt into $0 deductible coverage
• Not all glass is included
• Unsafe windshields can result in a citation
• Excessive claims may impact your policy

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Windshield Replacement in Phoenix & Surrounding Areas

If you’re in:

• Phoenix
• Mesa
• Chandler
• Gilbert
• Tempe
• Queen Creek
• San Tan Valley

👉 We provide fast, mobile windshield replacement and handle the insurance process for you.

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Get Help With Your Windshield Replacement

At 1st Shot Auto Glass, we make the process simple:

• ✔ We verify your insurance
• ✔ We handle the claim
• ✔ We come to you
• ✔ We ensure proper installation + calibration

👉 Contact us today to see if your windshield replacement qualifies for $0 out of pocket.