In the state of Arizona, the windshield replacement law is designed to ensure that drivers have a clear and unobstructed view of the road, while also providing guidelines for insurance companies to follow when it comes to windshield replacement claims. The law, which is outlined in the Arizona Revised Statutes, Section 20-263, requires that insurance companies replace a windshield without charging a deductible to the policyholder if the windshield is damaged and needs to be replaced.
Overview of the Law
The Arizona windshield replacement law is intended to protect drivers from the hazards of driving with a damaged windshield. A cracked or broken windshield can significantly impair a driver’s vision, increasing the risk of an accident. The law requires that insurance companies cover the full cost of windshield replacement, without requiring the policyholder to pay a deductible. This means that if a driver has comprehensive coverage, which typically includes glass damage, the insurance company will cover the cost of replacing the windshield.
How the Law Works
When a driver’s windshield is damaged, they can file a claim with their insurance company to have it replaced. The insurance company will then arrange for the windshield to be replaced, usually at a repair shop of their choice. The policyholder does not have to pay a deductible for the replacement, as long as they have comprehensive coverage. It’s worth noting that if the windshield damage is caused by an accident, the policyholder may still have to pay a deductible for other damages, such as bodywork or other repairs.
Benefits of the Law
The Arizona windshield replacement law provides several benefits to drivers in the state. Firstly, it ensures that drivers can have their windshields replaced quickly and safely, without having to worry about the cost. This can help to prevent accidents caused by impaired vision. Secondly, the law helps to prevent insurance companies from charging excessive deductibles for windshield replacement, which can be a significant expense for drivers.
Insurance Company Requirements
Insurance companies in Arizona are required to comply with the windshield replacement law. This means that they must cover the full cost of windshield replacement, without charging a deductible, if the policyholder has comprehensive coverage. Insurance companies are also required to use original equipment manufacturer (OEM) parts for windshield replacement, unless the policyholder requests otherwise.
Consumer Protections
The Arizona windshield replacement law also includes several consumer protections. For example, insurance companies are prohibited from requiring policyholders to use a specific repair shop for windshield replacement. This means that policyholders have the freedom to choose their own repair shop, as long as it is licensed and certified. Additionally, insurance companies are required to provide policyholders with a written estimate of the costs of windshield replacement, before the work is done.
Frequently Asked Questions
What is the Arizona windshield replacement law?
+The Arizona windshield replacement law is a state law that requires insurance companies to replace a windshield without charging a deductible to the policyholder if the windshield is damaged and needs to be replaced.
Do I have to pay a deductible for windshield replacement in Arizona?
+No, if you have comprehensive coverage, your insurance company will cover the full cost of windshield replacement, without charging a deductible.
Can I choose my own repair shop for windshield replacement in Arizona?
+Yes, you have the freedom to choose your own repair shop, as long as it is licensed and certified.
What type of parts will my insurance company use for windshield replacement in Arizona?
+Your insurance company is required to use original equipment manufacturer (OEM) parts for windshield replacement, unless you request otherwise.
How do I file a claim for windshield replacement in Arizona?
+You can file a claim with your insurance company by contacting them directly and providing them with information about the damage to your windshield.
Conclusion
The Arizona windshield replacement law is an important consumer protection that ensures drivers in the state can have their windshields replaced quickly and safely, without having to worry about the cost. By understanding the law and how it works, drivers can make informed decisions about their insurance coverage and windshield replacement options. Whether you’re a driver in Arizona or just visiting the state, it’s essential to know your rights and responsibilities when it comes to windshield replacement.
