Does Liability Insurance Cover Windshield Replacement
Regular Post
Written by T&S Auto Glass

Does Liability Insurance Cover Windshield Replacement?

Drivers will often wonder if liability insurance will pay for a windshield replacement. Let’s take a look at what type of coverage you can expect with this policy.
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What Is Liability Car Insurance?

The goal of liability insurance is to protect you financially if you are proved to be at fault in an accident. This coverage will address expenses related to either damages or injuries you caused to other individuals or their property.

This does include bodily injury liability, which helps pay for any lost wages, legal fees, and medical costs for individuals impacted by the accident where you were at fault. Property liability will cover the costs to repair or replace any property you have damaged. This could include a building, fence, or vehicle.

Liability coverage will not, however, cover any damage to your vehicle, such as the windshield.

Will Liability Insurance Cover Windshield Replacements?

Oftentimes, comprehensive coverage will include windshield repairs and replacements. When damage occurs, a deductible generally applies to these claims. This means you’ll be responsible for an upfront payment before the insurer covers the rest.

For instance, if you have a $500 deductible and the repair costs $8,000 total, you’ll be responsible for $500 while the insurer covers the remainder. Some policies may come with “zero deductible glass coverage” or “full glass coverage” as add-ons.

Because of the costs, insurers are usually eager to cover small repairs over full windshield replacements. Many providers will cover the cost of minor repairs without a deductible. This ultimately encourages immediate attention to prevent the damage from spreading and even resulting in a needed replacement.

How To File A Claim

With either comprehensive coverage or specific glass coverage, initiating a claim will involve a few steps. The most important thing to do is contact your insurance provider immediately after the damage happens.

The majority of insurance providers will offer several ways to make a claim. Typically, this can be done through mobile apps, online portals, and phone calls. When reporting damage, be sure to provide your policy number, date and time of the incident, and a detailed description of how the damage occurred.

You will also need to report your vehicle’s make, model, year, and the location of said damage when filing a claim. In most cases, an auto repair shop can bill your insurance company directly for repairs and replacements.

T&S Auto Glass Offers Replacement Sunroofs and Moonroofs in Chandler

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When you’re looking for the best windshield repair & replacement in Phoenix, T&S Auto Glass is here to help!  We offer mobile windshield repair anywhere in the Phoenix Valley for your convenience and at our shop in Chandler, AZ.  If you’ve got a cracked windshield, chipped windshield, or need any other type of auto glass repair service call our friendly and professional team.

Windshield Repair
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What Are the Main Reasons Windshields Need Replacing?
Regular Post
Written by craig braddick

What Are the Main Reasons Windshields Need Replacing?

If you live in Phoenix, you already know: our cars go through a lot. The blazing sun, the occasional monsoon storm, and of course, those pesky pebbles that seem to leap off Loop 101 or I-10 right at your windshield. While a small chip can sometimes be repaired, there are plenty of situations where windshield replacement is the smarter (and safer) choice. Let’s talk about the main reasons windshields need replacing , read on to learn more!
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1. Rock Chips and Cracks That Spread

Probably the number one culprit here in Arizona is flying debris. A tiny rock chip might not look like much, but with our extreme temperature swings (think 110°F days that cool down fast at night), glass expands and contracts. That little chip can spiderweb into a long crack almost overnight. If it reaches more than a few inches, or if it’s in the driver’s line of sight, replacement is usually the only safe option.

2. Accidents and Road Hazards

Even a minor fender bender can compromise your windshield. Sometimes the damage isn’t obvious at first glance — a hairline crack at the edges or a weakened seal can grow into something serious. And if you’ve ever had a branch fall during a monsoon storm (yep, it happens here in Phoenix!), you know a windshield can take the brunt of it. Once structural integrity is lost, it’s not worth the risk of trying to keep it.

3. Failed or Poor Past Repairs

Not all glass repairs are created equal. If a previous chip repair wasn’t done properly — maybe low-quality resin was used, or it didn’t cure right — the damage can resurface and spread. At that point, replacing the whole windshield is the only way to restore full clarity and safety.

4. Safety and Structural Integrity

This one’s big. Your windshield isn’t just there to block bugs and wind. It’s an important part of your car’s structural safety. In fact, it helps support the roof in a rollover and plays a role in airbag deployment. If the glass is compromised, so is the protection for everyone inside. That’s why even cracks at the edges — where strength really matters — usually mean it’s time for a full replacement.

5. Visibility Issues

Let’s be real: driving around Phoenix with the sun glaring in your eyes is tough enough without a cracked or pitted windshield making things worse. Even small distortions in the glass can mess with visibility, especially when sunlight or headlights hit just right. If your windshield looks sandblasted (another Arizona special thanks to desert dust and freeway driving), replacing it can make a night-and-day difference in how clearly you see the road.

6. Leaks and Loose Seals

A windshield that isn’t sealed properly can let in water — and in monsoon season, that’s no joke. Not only is it annoying to have water dripping inside, but it can lead to electrical issues, mold, or damage to your interior. If resealing doesn’t solve the problem, replacement is the best bet.

7. Arizona Weather Takes a Toll

Our climate deserves its own category. UV rays, extreme heat, and sudden rainstorms all take a toll on auto glass. Over time, heat stress can worsen existing chips, while dust storms leave behind tiny scratches that cloud up the glass. It’s one of the reasons windshield replacement is more common here in Phoenix than in many other states.

Wrapping It Up

At the end of the day, replacing a windshield isn’t just about looks — it’s about safety, comfort, and keeping your car road-ready. Here in the Valley, between flying rocks, scorching summers, and sudden storms, it’s no surprise that windshield replacement is such a common service.

If you’ve got a chip or crack and aren’t sure whether repair or replacement makes sense, give T&S Auto Glass in Phoenix a call. We’ll take a look and give you an honest recommendation. And remember, a clear, solid windshield isn’t just peace of mind — it’s essential for safe driving.

T&S Auto Glass Offers Replacement Sunroofs and Moonroofs in Chandler

480-345-8990
GET A QUOTE

When you’re looking for the best windshield repair & replacement in Phoenix, T&S Auto Glass is here to help!  We offer mobile windshield repair anywhere in the Phoenix Valley for your convenience and at our shop in Chandler, AZ.  If you’ve got a cracked windshield, chipped windshield, or need any other type of auto glass repair service call our friendly and professional team.

Auto Glass, Windshield Chip, Windshield Repair, Windshields
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Zero Deductible WindsZero Deductible Windshield Replacement Arizona 2025
Regular Post
Written by craig braddick

Zero Deductible Windshield Replacement Arizona 2025

In Arizona, drivers with comprehensive auto insurance policies can benefit from a zero-deductible windshield replacement. This means that if your windshield is damaged, your insurance will cover the full cost of repair or replacement without requiring you to pay a deductible. This policy encourages prompt repairs, enhancing road safety by ensuring clear visibility.

It’s important to note that while Arizona law mandates that insurers offer this zero-deductible option, it’s only applicable if you have comprehensive coverage. Drivers with liability-only insurance policies are not eligible for this benefit.

However, it’s worth noting that frequent windshield claims can impact your insurance premiums. With advancements in vehicle technology, windshield replacements have become more costly, leading some insurers to adjust their policies and rates accordingly. Therefore, it’s advisable to consult with your insurance provider to understand how glass claims might affect your premiums.

Given the prevalence of windshield damage in Arizona due to factors like road debris and extreme temperatures, having comprehensive coverage with a zero-deductible option can be a valuable investment for maintaining both safety and financial peace of mind.

Is Zero Deductible Windshield Insurance Worth It?

Whether zero-deductible windshield insurance is worth it depends on several factors, including your location, driving habits, and the likelihood of windshield damage. Here’s a breakdown of the pros and cons to help you decide:

Pros of Zero Deductible Windshield Insurance:

✅ No Out-of-Pocket Costs: If your windshield gets cracked or shattered, you won’t have to pay anything for the repair or replacement. This can save you hundreds of dollars.
✅ Frequent Windshield Damage in Certain Areas: In places like Arizona, where road debris and extreme temperatures cause frequent windshield damage, this coverage can be very useful.
✅ Convenience & Safety: A damaged windshield can obstruct visibility and compromise vehicle safety. Zero-deductible coverage encourages timely repairs, reducing risks.
✅ Preserves Comprehensive Coverage Benefits: Without this coverage, you’d have to pay your comprehensive deductible, which can be expensive.

Cons of Zero Deductible Windshield Insurance:

❌ Higher Insurance Premiums: Some insurers may increase your comprehensive coverage cost if you frequently file glass claims.
❌ Not Always Cost-Effective: If you rarely experience windshield damage, you might end up paying more in higher premiums than you would for occasional repairs.
❌ Limited to Comprehensive Coverage Holders: If you have only liability coverage, this option is not available.

Is It Worth It?

  • YES, if you drive frequently in areas with gravel roads, construction zones, or extreme weather (like Arizona).
  • YES, if your windshield has advanced technology (HUD displays, rain sensors, cameras) that makes replacements more expensive.
  • MAYBE NOT, if you rarely get windshield damage or have a high-risk insurance policy that could see increased rates.

Final Tip:

Check with your insurance provider about the potential impact on premiums and claim frequency policies before adding zero-deductible windshield coverage. If you’re in Arizona, where insurers are required to offer this option, it’s often a great investment.

If you are looking for windshield replacement in Tempe, Arizona, look no further than TS Auto Glass. Call Today – (480) 345-8990 

Windshield Chip, Windshield Cracks, Windshield Repair, Windshields
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What Are the Main Reasons Windshields Need Replacing?
Regular Post
Written by craig braddick

Why Is My Windshield Rattling?

A rattling windshield can be caused by several issues. Here’s a breakdown of common causes and how to address them:
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1. Loose Windshield or Poor Installation

  • Cause: The adhesive or sealant holding the windshield in place may have deteriorated, or the windshield wasn’t installed correctly.
  • Symptoms: The rattle intensifies when driving over bumps or at high speeds.
  • Solution:
    • Inspect the seal around the windshield.
    • If it looks damaged, take the vehicle to a professional for resealing or reinstalling the windshield.

2. Worn Weatherstripping or Gasket

  • Cause: The rubber weatherstripping around the windshield may be loose, cracked, or missing.
  • Symptoms: The rattle may be more pronounced in windy conditions or when the car vibrates.
  • Solution:
    • Check the condition of the weatherstripping.
    • Replace damaged or loose gaskets. You can purchase a replacement kit or have it repaired professionally.

3. Loose or Missing Clips or Fasteners

  • Cause: Windshield trim or clips securing the windshield might be loose or broken.
  • Symptoms: The rattle comes from the edges of the windshield.
  • Solution:
    • Inspect the trim and clips.
    • Replace broken or missing clips. This is often a simple fix that you can do yourself.

4. Structural Issues in the Vehicle Frame

  • Cause: Damage to the frame or body of the vehicle near the windshield can cause movement or gaps.
  • Symptoms: The rattle may coincide with visible gaps or misalignment near the windshield.
  • Solution:
    • Have a mechanic inspect for structural issues, especially if the car has been in an accident.

5. Debris in the Seal

  • Cause: Dirt, leaves, or debris caught between the windshield and the frame can create gaps and vibrations.
  • Symptoms: The rattle may worsen after driving through debris or in windy conditions.
  • Solution:
    • Clean the area around the windshield thoroughly with a brush or compressed air.

6. Loose Interior Components

  • Cause: Interior components near the windshield, like the dashboard or sun visor, might be the source of the noise.
  • Symptoms: The rattle seems to come from inside the car, especially near the dashboard.
  • Solution:
    • Check and tighten any loose screws or panels on the dashboard or interior trim.

7. Temperature or Environmental Factors

  • Cause: Extreme temperature changes can cause the windshield or its components to expand and contract, loosening the seal.
  • Symptoms: The rattle is seasonal or occurs after rapid temperature changes.
  • Solution:
    • If the seal appears intact, monitor the situation. For persistent issues, resealing may be required.

8. Windshield Damage

  • Cause: Cracks or chips in the windshield can cause vibrations and rattling.
  • Symptoms: Visible damage on the windshield, often accompanied by the noise.
  • Solution:
    • Repair chips or cracks promptly. If the damage is extensive, the windshield may need replacement.

Here’s how to inspect and address the potential causes of your rattling windshield step by step. You can do many of these checks yourself before seeking professional help.

Inspection Steps

1. Check the Windshield Seal

  • What to Look For:
    • Gaps or looseness between the windshield and the car’s frame.
    • Signs of dried-out or cracked sealant.
  • How to Inspect:
    • Run your fingers along the edge of the windshield.
    • Gently push the glass; if it moves, the seal may be compromised.

2. Inspect the Weatherstripping

  • What to Look For:
    • Torn, cracked, or missing rubber around the windshield.
  • How to Inspect:
    • Look closely at the rubber weatherstripping.
    • Use a flashlight to check for gaps or damage.

3. Examine the Trim and Clips

  • What to Look For:
    • Loose, bent, or missing trim pieces around the windshield.
    • Loose clips holding the trim in place.
  • How to Inspect:
    • Tap gently on the trim; a rattling sound may indicate loose parts.

4. Check for Debris

  • What to Look For:
    • Leaves, dirt, or small objects trapped between the windshield and the frame.
  • How to Inspect:
    • Use a small brush or compressed air to clear debris.

5. Test for Interior Rattles

  • What to Look For:
    • Loose dashboard panels or other components vibrating near the windshield.
  • How to Inspect:
    • Drive on a bumpy road and press on dashboard panels or trim pieces to see if the rattle changes.

6. Inspect for Structural Issues or Damage

  • What to Look For:
    • Warping or visible damage to the car’s frame around the windshield.
  • How to Inspect:
    • Look for misalignment or signs of rust or bending near the windshield edges.

7. Check for Windshield Damage

  • What to Look For:
    • Chips or cracks in the windshield itself.
  • How to Inspect:
    • Shine a light across the windshield at an angle to reveal small cracks or chips.

DIY Fixes for Common Issues

1. Resealing the Windshield

  • Use a urethane-based windshield sealant (available at auto parts stores).
  • Apply the sealant in any visible gaps along the windshield edges.

2. Replace Weatherstripping

  • Purchase a universal weatherstripping kit if the original is damaged.
  • Remove old weatherstripping, clean the surface, and attach the new rubber strip.

3. Tighten or Replace Trim Clips

  • Remove and inspect the trim. If clips are loose or broken, replace them with new ones.
  • Ensure the trim is securely snapped back into place.

4. Clean and Clear Debris

  • Use a small brush or vacuum to remove dirt. Compressed air can help for hard-to-reach areas.

5. Temporary Interior Fixes

  • Use adhesive foam strips to cushion any loose dashboard or trim components.

When to Seek Professional Help

  1. If the Windshield Moves When Pushed:
    • Movement indicates the seal is compromised, and the windshield may need professional resealing or replacement.
  2. If Damage Is Found:
    • Chips or cracks larger than a quarter inch should be repaired or replaced by a professional.
  3. Persistent Rattling After DIY Fixes:
    • If the noise persists, take the car to an auto glass specialist or mechanic.

T&S Auto Glass Offers Replacement Sunroofs and Moonroofs in Chandler

480-345-8990
GET A QUOTE

When you’re looking for the best windshield repair & replacement in Phoenix, T&S Auto Glass is here to help!  We offer mobile windshield repair anywhere in the Phoenix Valley for your convenience and at our shop in Chandler, AZ.  If you’ve got a cracked windshield, chipped windshield, or need any other type of auto glass repair service call our friendly and professional team.

Auto Glass, Windshield Chip, Windshield Repair, Windshields
0
Removing Dry Mud From Car Windows
Regular Post
Written by craig braddick

Is Windshield Tape Needed?

Yes, windshield tape can be important if you’ve recently had a windshield replacement. The tape, typically applied around the edges of the windshield, helps hold it in place and prevents it from shifting or coming loose before the adhesive fully cures. Here’s why it can be essential:

1. Stabilizes the Windshield During Curing

  • Windshield adhesives need time to fully cure, typically 24–48 hours, depending on the adhesive type and weather conditions. The tape holds the windshield securely, minimizing any movement that might affect the seal.

2. Prevents Air and Water Leaks

  • Properly securing the windshield prevents gaps and ensures that the adhesive forms a tight seal. Without tape, even a minor shift could create leaks, allowing air or water to enter the vehicle.

3. Protects Against Road Vibrations and Impact

  • Driving over rough surfaces or uneven roads can cause vibrations that may shift the windshield slightly if it’s not fully set. The tape helps absorb some of these vibrations, preventing the windshield from moving.

Tips for Using Windshield Tape:

  • Leave It On for 24–48 Hours: Don’t remove the tape prematurely to allow for complete curing.
  • Avoid Car Washes and Excessive Pressure: High-pressure water or strong winds can disturb the curing adhesive.
  • Be Gentle with Your Car Doors: Slamming doors can cause vibrations that may disrupt the adhesive setting.

Hotter Weather Vs Cold Conditions

When it comes to weather in Arizona, typically it is dry weather. Usually In good safe conditions to have the adhesive settle quicker than usual. Although play it safe and wait up to at least 24 hours.

In the situation where you are in colder climates typically wait upwards to around 72 hours for the adhesive to settle on your windshield. This is an important part of the process of getting your new windshield installed. Patience is a virtue so just wait and the adhesive will settle properly in the allotted time.

Avoid Having A Car Wash

While tape is still actively working its magic on your vehicle, do not take your vehicle through a car wash. Especially higher pressured car washes, these tend to cause more damage than good during this process. This will be due to the high-pressure washing system to force your glue to peel off or away which in short makes you head back to your shop to have the problem resolved yet again. On the other hand, you can easily choose to manually wash your car, and this shouldn’t cause any damages to your vehicle.

 

Windshield Repair
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What Are the Main Reasons Windshields Need Replacing?
Regular Post
Written by craig braddick

Why Do Windshields Get Pitted?

Windshields can become pitted due to various factors, often related to exposure and impact. Here’s a detailed look at why this happens:

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. Debris Impact

  • Road Debris: Small rocks, gravel, and other debris kicked up by vehicles can hit the windshield at high speeds. Over time, repeated impacts can cause small pits or dings on the glass surface.
  • Sand and Dust: In areas with frequent sandstorms or high winds, sand and dust particles can cause abrasion on the windshield, leading to pitting.

2. Environmental Factors

  • UV Exposure: Prolonged exposure to sunlight can degrade the windshield’s surface over time, making it more susceptible to damage.
  • Extreme Temperatures: Fluctuations between extreme hot and cold temperatures can cause the glass to expand and contract. This can make the windshield more prone to cracking and pitting.

3. Wiper Blades

  • Worn Wipers: Old or damaged wiper blades can become abrasive and scratch the surface of the windshield, leading to pitting over time.
  • Debris on Wipers: Small particles trapped between the wiper blades and the windshield can also cause scratches and pits.

4. Chemical Exposure

  • Acid Rain: Rain that contains pollutants can be corrosive to the windshield, leading to surface damage and pitting.
  • Cleaning Products: Some harsh cleaning products can degrade the glass over time, making it more susceptible to pitting.

5. Wear and Tear

  • Age of the Windshield: Older windshields can naturally become more vulnerable to damage as the glass surface wears down over time.
  • Regular Use: Frequent use and exposure to the elements can lead to gradual pitting.

6. Improper Maintenance

  • Improper Cleaning: Using abrasive cleaning materials or techniques can scratch and pit the windshield surface.
  • Neglecting Repairs: Small chips or cracks that are left untreated can worsen and contribute to overall windshield degradation, including pitting.

Preventive Measures

  • Regular Cleaning: Use non-abrasive cleaners and soft cloths to clean your windshield. Avoid using harsh chemicals or scrubbing aggressively.
  • Wiper Maintenance: Replace wiper blades regularly and ensure they are in good condition. Clean the windshield and wipers frequently to remove debris.
  • Protective Measures: In areas prone to road debris, consider using windshield protectors or films to reduce impact damage.

Addressing minor damage early can help prevent further issues and preserve the condition of your windshield.

T&S Auto Glass Offers Replacement Sunroofs and Moonroofs in Chandler

480-345-8990
GET A QUOTE

When you’re looking for the best windshield repair & replacement in Phoenix, T&S Auto Glass is here to help!  We offer mobile windshield repair anywhere in the Phoenix Valley for your convenience and at our shop in Chandler, AZ.  If you’ve got a cracked windshield, chipped windshield, or need any other type of auto glass repair service call our friendly and professional team.

Auto Glass, Windshield Chip, Windshield Repair, Windshields
0
Removing Dry Mud From Car Windows
Regular Post
Written by craig braddick

Removing Dry Mud From Car Windows

Removing dry mud from car windows requires some care to avoid scratching the glass. Here’s a step-by-step guide to effectively and safely clean your car windows:

Materials Needed

  • Soft-bristled brush or microfiber cloth
  • Car-safe glass cleaner
  • Water hose or spray bottle
  • Bucket of warm water
  • Mild car shampoo or dish soap
  • Squeegee
  • Towels or drying cloths

Steps to Remove Dry Mud

1. Initial Rinse

  • Use a hose or spray bottle to rinse off as much dry mud as possible from the windows. The goal is to soften the mud and remove loose particles without rubbing them into the glass.

2. Soak and Loosen the Mud

  • Fill a bucket with warm water and add a few drops of mild car shampoo or dish soap.
  • Soak a soft-bristled brush or microfiber cloth in the soapy water.
  • Gently apply the soapy water to the muddy areas on the windows, allowing it to sit for a few minutes to soften the mud further.

3. Gently Wipe Away the Mud

  • Use the soaked brush or cloth to gently wipe away the mud. Start from the top of the window and work your way down.
  • Avoid applying too much pressure to prevent scratching the glass.

4. Rinse Again

  • Rinse the windows thoroughly with clean water to remove any remaining mud and soap residue.

5. Apply Glass Cleaner

  • Spray a car-safe glass cleaner onto the windows.
  • Wipe the windows with a clean microfiber cloth or a squeegee to remove any streaks and achieve a clear finish.

6. Dry the Windows

  • Use a clean towel or drying cloth to dry the windows completely, ensuring no water spots are left behind.

Tips for Preventing Scratches

  • Always use soft materials like microfiber cloths or soft-bristled brushes when cleaning car windows.
  • Avoid using abrasive cleaners or rough sponges, as these can scratch the glass.
  • If the mud is particularly stubborn, repeat the soaking and wiping process rather than scrubbing harder.

By following these steps, you can effectively remove dry mud from your car windows without damaging the glass.

Windshield Repair
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Removing Dry Mud From Car Windows
Regular Post
Written by craig braddick

Removing Water Stains From Car Windows

Removing water stains from car windows can be tricky, but here are some methods you can try:

  1. Vinegar Solution: Mix equal parts vinegar and water in a spray bottle. Spray the solution onto the water stains and let it sit for a few minutes. Then, wipe the area with a clean microfiber cloth. The acidity of the vinegar helps break down the minerals in the water stains.
  2. Rubbing Alcohol: Dampen a clean microfiber cloth with rubbing alcohol and gently rub the water stains. The alcohol helps dissolve the minerals in the stains. Wipe the area dry with another clean cloth.
  3. Glass Cleaner and Steel Wool: Spray a glass cleaner onto the water stains and let it sit for a few minutes. Then, scrub the stains with fine-grade steel wool. Be gentle to avoid scratching the glass. Rinse the area with water and dry it with a clean cloth.
  4. Baking Soda Paste: Mix baking soda with a small amount of water to form a paste. Apply the paste to the water stains and gently scrub with a soft-bristled brush or sponge. Rinse the area with water and dry it thoroughly.
  5. Commercial Glass Cleaner: If the stains are not too stubborn, you can try using a commercial glass cleaner. Spray the cleaner onto the stains and wipe the area with a clean cloth.
  6. Lemon Juice: Squeeze some lemon juice onto the water stains and let it sit for a few minutes. Then, scrub the stains with a soft-bristled brush or sponge. Lemon juice has natural acidic properties that can help break down mineral deposits.

Always test any cleaning solution on a small, inconspicuous area of the window first to ensure it doesn’t cause damage. Additionally, avoid using abrasive cleaners or tools that could scratch the glass. If the water stains persist, you may need to seek professional help.

Windshield Repair
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Zero Deductible WindsZero Deductible Windshield Replacement Arizona 2025
Regular Post
Written by craig braddick

Zero Deductible Windshield Replacement Arizona 2024

What is zero deductible windshield replacement?

It’s an insurance coverage add-on that eliminates your deductible for windshield replacements covered under your comprehensive insurance policy. This means you wouldn’t pay any out-of-pocket expense when getting your windshield replaced, making it a seemingly attractive option.

How does it work?

  1. You add the zero deductible coverage to your existing comprehensive insurance policy.
  2. If your windshield gets damaged and qualifies for coverage (e.g., not caused by vandalism or negligence), you file a claim with your insurance company.
  3. The insurance company covers the entire cost of windshield replacement, without requiring you to pay your usual deductible.
  4. You choose a qualified repair shop within your insurance company’s network (might be limited options).

Sounds great, right? But there are some things to consider:

Pros:

  • No out-of-pocket expense: Saves you money when you need a windshield replacement.
  • Convenience: Streamlined process with less paperwork and hassle.
  • Peace of mind: Knowing you’re fully covered can be reassuring.

Cons:

  • Increased insurance premium: This add-on coverage comes at an additional cost, which might outweigh the savings from avoiding a deductible in the long run, especially if you rarely encounter windshield damage.
  • Limited network: You might be restricted to using repair shops within your insurance company’s network, potentially limiting your choice and convenience.
  • Potential impact on policy renewal: Some insurance companies might view frequent windshield claims (even under zero deductible coverage) negatively, potentially affecting your policy renewal rates.

Is it worth it?

It depends on your individual circumstances and driving habits. Consider these factors:

  • Frequency of windshield damage: If you live in an area prone to falling debris or hailstorms, or if you frequently drive on gravel roads, zero deductible coverage might be beneficial.
  • Cost of the add-on vs. your deductible: Compare the annual cost of the coverage to your typical deductible amount. If the savings from avoiding the deductible outweigh the additional premium, it might be worth it.
  • Your risk tolerance: Are you comfortable paying a higher premium for the peace of mind of no out-of-pocket expense, even if you might not utilize it frequently?

Ultimately, the decision of whether or not to opt for zero deductible windshield replacement is a personal one. Weigh the pros and cons carefully, consider your driving habits and budget, and compare quotes from different insurance providers to find the best deal that suits your needs.

What States Have Free Windshield Replacements

The term “free windshield replacements” can be a bit misleading, as there aren’t actually any states where windshield replacements are completely free for drivers. However, there are three states with laws that offer significant benefits when it comes to replacing damaged windshields:

1. Florida:

  • Full glass coverage: Florida requires most comprehensive insurance policies to include “full glass coverage” with no deductible for windshield and other car glass replacements. This means drivers covered under comprehensive insurance wouldn’t pay anything out-of-pocket for windshield replacements.

2. Kentucky:

  • Zero deductible glass coverage: Similar to Florida, Kentucky mandates most comprehensive insurance policies to include zero deductible coverage for windshield and other car glass replacements. Drivers with comprehensive coverage wouldn’t incur any out-of-pocket expenses.

3. South Carolina:

  • Deductible waiver for safety glass: Unlike Florida and Kentucky, South Carolina doesn’t have a mandatory full glass coverage requirement. However, the state law allows insurance companies to offer optional “deductible waiver” coverage for safety glass, including windshields. If drivers choose this add-on and have comprehensive insurance, they wouldn’t pay their deductible for windshield replacements.

It’s important to note that even in these states, some factors can influence whether windshield replacements are truly “free”:

  • Comprehensive insurance requirement: Drivers need to have comprehensive insurance coverage to benefit from these laws.
  • Policy details: Specific policy terms and conditions might apply, so always check your insurance documents carefully.
  • Network restrictions: Some insurance companies might limit eligible repair shops to their network, potentially affecting options and convenience.

Therefore, while these states offer significant advantages for windshield replacements compared to others, it’s not entirely accurate to call them “free.” However, they certainly provide attractive options for drivers looking for minimal out-of-pocket expenses when dealing with cracked or shattered windshields.

If you are looking for windshield replacement in Tempe, Arizona, look no further than TS Auto Glass. Call Today – (480) 345-8990 

Windshield Chip, Windshield Cracks, Windshield Repair, Windshields
0
Removing Dry Mud From Car Windows
Regular Post
Written by craig braddick

Dealing With a Smashed Car Window

Dealing with a smashed car window can be a stressful and inconvenient situation, whether it’s due to vandalism, an accident, or other reasons. Here are the steps to follow if you find yourself with a smashed car window:

  1. Ensure Safety: Prioritize safety for yourself and any passengers in the vehicle. If the window was smashed during an accident or collision, check for injuries and call for medical assistance if necessary.

  2. Contact Authorities: If the window was smashed as a result of a break-in or vandalism, report the incident to the local police. They may need to investigate or file a report for insurance purposes.

  3. Assess the Damage: Evaluate the extent of the damage. Is it just a window, or is there additional damage to the vehicle, such as the interior or other parts? Take pictures of the damage for documentation.

  4. Secure Your Vehicle: If the window is completely shattered, you’ll want to secure your vehicle to prevent further damage or theft. Here’s how:

    • If you have a tarp or plastic sheet, cover the open window to protect the interior from rain, wind, or debris.
    • If the window is partially intact, use clear packing tape or duct tape to hold the window together temporarily.

  5. Retrieve Personal Items: If you can safely do so, remove any valuable or personal items from the vehicle, especially if the window was smashed due to theft. Be cautious not to touch any broken glass with your bare hands.

  6. Call Your Insurance Company: Contact your auto insurance provider to report the damage. They will guide you through the claims process and provide information on how to get the window repaired or replaced. Make sure to ask about coverage and deductible details.

  7. Choose a Repair Option: You have a few options for replacing the smashed window:

    • Auto Glass Repair Shop: Contact a professional auto glass repair shop to schedule a repair or replacement. They will assess the damage and provide a quote.
    • Mobile Glass Service: Some auto glass repair companies offer mobile services, where they come to your location to replace the window.
    • DIY Temporary Fix: If you need a temporary solution until you can reach a repair shop, you can purchase a window repair kit to seal the opening.

  8. Schedule the Repair: Once you’ve chosen a repair option, schedule the repair or replacement for the smashed window. Make sure to confirm the cost, time, and any additional details with the service provider.

  9. File a Police Report (if applicable): If your window was smashed due to a crime, follow up with the police report and provide any additional information or documentation needed for an investigation.

  10. Prevent Future Incidents: Consider steps to reduce the risk of future vandalism or break-ins, such as parking in well-lit areas, using a car alarm, or installing security cameras.

Dealing with a smashed car window can be frustrating, but by following these steps and working with your insurance company and an auto glass repair service, you can get your vehicle back in good condition.

 

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