Can An Arizona Windshield Replacement Raise My Rates - AR 20-263

We get this question a ton, No a windshield replacement will not raise your insurance rates in the state of Arizona. Here is a link to AR20-263.

Let's explore what AR20-263 is saying and how it protects you from insurance spikes post auto glass repair or replacement claim. A second link from the Arizona Department of Insurance and Financial Institutions. If you need a windshield replacement in Phoenix or really anywhere in Arizona give us a call to get a free quote.

What is AR20-263?

AR20-263, as mentioned in the context of Arizona's regulations on auto insurance, serves as a protective measure for insured drivers specifically regarding the issue of windshield replacement and the potential impact on insurance rates. According to the guidance provided by the Arizona Department of Insurance, AR20-263 is a Substantive Policy Statement that provides crucial directives to property and casualty insurers offering automobile insurance within the state.

Here's a summary of the key points from AR20-263 related to windshield replacements:

• Prohibition on Premium Increases for Certain Claims: AR20-263 clearly states that no insurer can increase the motor vehicle insurance premium of an insured as a result of an accident that was not caused or significantly contributed to by the actions of the insured. This implies that incidents leading to windshield damage, not due to the fault of the insured, should not result in an increase in insurance premiums.
• Notification Requirement: Should an insurer decide to increase a premium due to accident involvement, they are obligated to notify the insured of the specific reasons for such an increase. This ensures transparency and provides an opportunity for the insured to understand and contest unjustified premium adjustments.
• Enforcement and Penalties: The policy outlines enforcement measures where the director, after a hearing, can order an insurer that has unjustly raised the premium of an insured to refund the amount attributable to the unjust premium increase. Additionally, a civil penalty not exceeding three hundred dollars can be imposed on the violator. This section reinforces the seriousness of adhering to the policy and provides a mechanism for rectifying violations.

For individuals in Arizona requiring windshield repair or replacement, AR20-263 offers a layer of financial protection by ensuring that such necessary vehicle maintenance does not lead to penalizing premium increases. This regulation encourages vehicle owners to address windshield damages promptly without the fear of insurance rate hikes, promoting safer driving conditions by maintaining clear visibility.

What Does This Mean For My AZ Windshield Replacement?

Simply put, if you get a windshield repair or replacement the insurer cannot raise your rates. If your rates have unlawfully been raised submit a case with the AZ Department of Insurance directly. If you want more information on Arizona's Free Windshield Replacement Law check this out.

If you're in need of a windshield replacement in Arizona don't let finances get in the way. At Phoenix Arizona Auto Glass, we offer both deductible assistance, and cash back in order to make sure you are getting the best mobile auto glass services to avoid a ticket.