Auto coverage in the desert is a big deal for drivers. AIC in Phoenix, Arizona understands how important the right coverage for where you live happens to be. Think about it, if you live in the desert, you’re at a greater risk of cracks and chips in your windshield. The dry climate is a huge contributor to windshield hazards, such as dirt, debris, rocks, and sand.
These things, blasted into your windshield at high speeds and exacerbated by the heat of a relentless sun can cause pitting, cracking, and chips in your windshield. If not repaired promptly, these small cracks quickly become larger, creating more dangerous driving conditions, limited fields of vision, and other problems for drivers.
The bottom line is that many people who live in desert areas, like Phoenix and surrounding areas, need to replace their windshields at least once a year. If not more. That means you need to make sure you have sufficient glass coverage for vehicles you drive.
Arizona’s Free Windshield Replacement Law
The good news for Arizona drivers is that the state requires all comprehensive coverage insurance policies to provide free windshield replacement as part of the coverage.
Arizona is one of only six states to have this requirement. What it means for drivers is that you don’t have to worry about paying a deductible when you file a claim for windshield repairs or replacing your windshield.
The rationale is simple. Limited fields of vision are dangerous to drivers and others on the road. They want drivers to face no limitations in their ability to fix the damage to their windshields. Especially considering that this damage is not the fault of the driver.
What About Glass Coverage for Vehicles with Liability-Only Policies?
Unless you purchase a rider providing glass coverage for vehicles this law does not apply to your insurance protection. However, it is an essential component for auto coverage in the desert and one you may wish to consider purchasing to help improve your safety and that of your passengers.
If you purchase a specific “full glass coverage” insurance policy, you won’t have to pay deductibles when repairing or replacing your windshield.
Do You Have Unbreakable Coverage for Your Vehicle?
If you’re not sure whether your policy covers your windshield glass, make sure to call Brandon Shipman of Arnold Insurance Company in Arizona. He can help you assess your current auto insurance situation and make changes that provide peace of mind while working within your budget.
Don’t go broke over a little broken glass!
Brandon Shipman, with AIC in Arizona, understands a thing or two about living in the desert and can help you get the all-around protection you need while driving in a desert climate. Contact Brandon today to learn more about glass coverage for vehicles and other options you might want to include in your insurance protection.
Originally posted 3/15/21 - Updated 2/24/23