FAQ > Insurance Related Questions Knoxville's Finest Auto Glass Installation Center •  I was driving on the interstate 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.  We can contact them on your behalf, 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 area and also handle billing your insurance  provider just the same as if you were back home dealing with a local Auto Glass Repair Center.  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 on side and back glasses 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 make that call for you.  If you are just  visiting our state or have recently moved here 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 will 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 "act of nature" or "act of God" incidents 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 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 auto glass, won't my 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.