If you’ve ever had a chipped or cracked windshield, you’ve probably heard your insurance agent say:
“Don’t file a claim — your premiums might go up.”
It’s a common worry, and we hear it from many Mesa drivers. At 1st Shot Auto Glass, we want to clear up the confusion so you can protect your vehicle without stressing about your insurance.
Are Auto Glass Claims Considered No-Fault?
In most states, including Arizona, auto glass claims are generally considered no-fault. This means:
- Filing a claim for a chipped or broken windshield usually does not count as an at-fault accident.
- Insurance companies often have full coverage or glass-only coverage policies that allow claims without affecting premiums.
- Some carriers even offer full windshield replacement at no deductible as part of their coverage.
So, your premiums may not increase just because you had a windshield replaced.
Note: Policies vary by insurer, so it’s always a good idea to confirm with your provider.
Why You Should File a Glass Claim if Needed
- Safety: Cracks or chips can compromise your windshield’s structural integrity.
- Cost Savings: Glass replacement is often fully covered, saving you out-of-pocket expenses.
- Vehicle Value: Maintaining intact glass preserves your car’s value.
At 1st Shot Auto Glass, we handle the insurance paperwork for you and make the process simple. Our technicians ensure your replacement is done correctly, whether it’s mobile service or in-shop.
Tips for Filing Without Worry
- Confirm with your insurance agent if you have glass coverage.
- Choose a trusted local shop — like 1st Shot Auto Glass — that works directly with insurers.
- Keep documentation of damage and repairs.
Conclusion
Don’t let fear of premiums stop you from fixing your windshield. In most cases, auto glass claims are safe to file and considered no-fault. Protect your safety, your vehicle, and your wallet by choosing a professional provider who handles insurance claims properly.
📞 Ready for a windshield replacement in Mesa, AZ? Contact 1st Shot Auto Glass today at (480) 233-9368 — we make claims simple and stress-free.