Did you know that Arizona is one of the leading states for windshield repairs? The state’s booming growth means more construction, and that means more gravel and other debris that can be kicked up into your windshield. Also, the hot, dry summers create the perfect conditions for tiny, unnoticeable glass chips to expand into larger fractures. So what can you do when your luck runs out? Keep reading to find out.
Why You Can’t Ignore a Broken Windshield
The most important thing to understand is that you can’t put off a windshield repair because you don’t have time to take care of it or think you’ll lose money. A broken windshield creates two safety hazards. The first is reduced visibility. Even if the crack doesn’t affect you in normal conditions, it can change the way the sun and headlights reflect off of your windshield and impact your vision in less than perfect lighting conditions. Second, a cracked windshield is a weakened windshield. If you’re struck again, your windshield may not be able to prevent the object from going through your windshield and hitting you.
Also, once your windshield is obstructing your vision, you’re violating the law. If you’re pulled over, you could face a separate ticket for driving with a cracked windshield.
How Much Does a Broken Windshield Cost?
You can expect a broken windshield to cost at least $150. That’s if you have a basic glass windshield on a common model of an economy car. If your car is less common or your windshield contains sensors or other technology, your repair bill could climb as high as $1,500. In addition, a high-tech windshield could change a replacement from a one-hour job to a job that needs you to leave your car in the shop for a few days.
Does Insurance Cover a Broken Windshield?
The good news for Arizona drivers is that free glass replacement coverage must be included in car insurance policies by law. That means if your windshield cracks, you can have it replaced with no deductible or out-of-pocket expense. The reason is that the state doesn’t want drivers driving around with unsafe windshields and understands that the state’s volume of windshield incidents can be a burden on its residents.
If you’ve moved from another state or are a snowbird, this is a good reason to make sure your auto insurance policy is tied to your current address. If you have an out-of-state insurance policy from a state that doesn’t require full glass coverage, you could be out your entire deductible.
What About Other Damage?
If you have dents or paint chips on your car from being struck by rocks or other objects, the repairs may also be covered by insurance. This type of damage would typically fall under your comprehensive coverage. Unlike glass claims, there is no special state law requiring free bodywork for this type of damage, so you’d have to pay your normal deductible if you filed a claim. If you can prove that someone else was liable for the damage, you may be able to seek a monetary recovery from that party.
Ask Your Insurance Agent
Smart Move Insurance helps drivers find local insurance policies and make sure they have the right coverage. Give us a call to review your policy and to see if you can get better coverage or a lower rate by switching to a new provider.