FAQ > Insurance Claim Related Windshield Repair and Replacement Questions

• I was driving on the interstate traveling through Knoxville TN. and something came from nowhere and broke my windshield. I have full coverage insurance on my vehicle, does it cover the cost of repair or replacement?

That would depend on your insurance coverage. Here in the State of Tennessee if you have a full coverage policy the comprehensive coverage part of your insurance package is what an incident like that would fall under. Comprehensive insurance, as a rule, covers most things that are out of your control such as vandalism, theft, rocks or other foreign objects including hail or other acts of nature hitting your vehicle, basically about everything short of a collision in which case your collision deductible would apply. In either case your insurance will pay the portion above your deductible. We are happy to work directly with your insurance carrier, handle the paperwork, arrange for reimbursement, collect any deductibles and complete the work with no need for you to worry or delay.

• Back home in Florida we don't have an insurance deductible for windshield breakage, will I have to risk driving my car with a broken windshield all the way home to Florida to avoid having to pay a deductible here in Tennessee?

Absolutely Not! We can repair or replace your windshield here in the Knoxville Tennessee area and also handle billing your insurance provider just the same as if you were back home dealing with a local windshield repair and replacement company. There are some states like Florida and Virginia where the state law requires all insurance companies selling a full coverage insurance policy with comprehensive to insure everyone with a zero deductible coverage for windshield breakage. Some insurance companies in those states even extend the zero deductible coverage to include your door glass, side glass, quarter glass and rear back glass window and some do not, you would have to check with your insurance provider to be sure or if you would like us to, we will be happy to help you make that call. If you are just visiting Tennessee or have recently moved to the Knoxville area and have not changed your insurance, the zero deductible coverage may still apply for you.

• I have a broken windshield and a $100.00 deductible on the comprehensive portion of my insurance policy, do I pay the deductible to my insurance company or to you?

You would pay your $100.00 deductible to us and we would bill your insurance provider for the remaining balance of the total cost of your claim.

Most windshields break from stones off the highway thrown by other car tires. Because   these   stone   breaks   are   unrelated   to   your   driving skills , they fall under the comprehensive insurance part of your policy. Some insurance companies refer to comprehensive insurance as an "act of nature" or an "act of God" incident because they are not the driver's fault. Other examples of comprehensive claims are as simple as an acorn nut falling from a tree or the dreaded vandalism from a thief breaking your door glass to gain access into your car. A very small portion of your insurance bill is for comprehensive loss risk. The vast majority of insurance companies will tell you that is what you purchased comprehensive coverage for and your rates won't go up for putting in a comprehensive claim for something that was beyond the scope of your control.

• If I put in a claim for my broken windshield, will my insurance rates go up?

• How do I file a claim?

Each insurance company is different. If you feel you may need to file a claim the easiest way to start is to call one of our Customer Service Representatives here at Phoenix Glass and let them know about your glass breakage. We will provide free claim consultation and advise you on the easiest way to file a claim with your particular insurance agency as well as how to minimize your total cost. One of the great things about our low prices is that in many instances your deductible may be more than the price of the replacement windshield, door glass, quarter glass, vent glass or rear back glass window from us. That will not only save you hard earned monies but your insurance provider as well. Below you’ll find an in general listing of the most popular insurance companies we work with and invoice directly.

Auto glass claims management services providers we work with and invoice directly. These companies are also known as TPA’s or Third Party Administrators