How Arizona Full Glass Insurance Coverage Works
Many Arizona drivers assume that having full coverage auto insurance automatically includes windshield replacement with no deductible. However, full coverage does not necessarily mean zero-deductible glass coverage. Understanding the difference can help you avoid unexpected expenses when your windshield needs replacement.
Under Arizona Revised Statute § 20-264, insurance companies offering comprehensive auto coverage must also offer the option of full glass coverage without a deductible. However, drivers must select this coverage for it to be included in their policy.
If your policy includes comprehensive insurance but not the optional full glass coverage, windshield replacement may still be covered, but your regular comprehensive deductible generally applies.
At 1st Shot Auto Glass, we help Arizona drivers verify their insurance benefits and determine whether their policy includes zero-deductible windshield replacement.
What Happens If You Don't Have Full Glass Coverage?
Not having full glass coverage doesn’t necessarily mean your insurance won’t pay for windshield replacement. What matters is whether your policy includes comprehensive coverage and what deductible applies.
If you have comprehensive insurance without full glass coverage, windshield damage may still be covered, but you’re generally responsible for your comprehensive deductible. If the replacement costs less than your deductible, paying out of pocket may be the better option.
If you carry liability-only insurance, damage to your own windshield generally isn’t covered. You’ll typically be responsible for the replacement cost, including glass, installation labor, and any required ADAS calibration.
At 1st Shot Auto Glass, we help customers verify their insurance coverage and provide upfront pricing for those paying out of pocket.
How to Check Your Windshield Replacement Insurance Coverage
Before scheduling a windshield replacement in Arizona, it’s helpful to review your auto insurance policy to understand what coverage you have and whether a deductible applies.
Start by checking your insurance declarations page for the following:
Comprehensive Coverage: Determines whether windshield damage may be covered under your policy.
Full Glass or Safety Equipment Coverage: Look for a separate glass coverage option that provides windshield repair or replacement without a deductible.
Comprehensive Deductible: If you don’t have full glass coverage, check how much you may be responsible for paying.
ADAS Calibration Coverage: If your vehicle requires camera recalibration after windshield replacement, verify whether your insurance covers the procedure.
Not sure what your policy includes? At 1st Shot Auto Glass, we help customers verify their windshield replacement insurance coverage and navigate the claims process.
We also provide competitive out-of-pocket pricing for customers without applicable insurance coverage.
