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A question I get asked regularly is "I have "Full Glass" coverage on my auto policy what does that exactly cover?"

Well, most people don't know that in Arizona, under ARS 20-264, that

"any insurer writing private passenger automobile insurance which includes comprehensive coverage for motor vehicle damage shall provide at the option of the insured complete coverage for the repair or replacement of all damaged safety equipment without regard to any deductible." 

Now, let's walk through this together.  ARS stands for Arizona Revised Statutes which are laws.  This statute only relates to private passenger vehicles not to commercial auto policies.  Some commercial auto insurance carriers will not have a "Full Glass" option.  Some will, many won't.  However, every insurance company who offers Comprehensive coverage on their private passenger auto insurance policy must make this "Full Glass" option available.  Virtually all of us have a private passenger auto insurance policy.  In addition,  if you have "Full Glass" the insurance company must repair or replace without regard to any deductible.  Zero dollars out of pocket.

Let me point out that in the above section of the statute the word "glass" is not used.  What's used instead is "safety equipment".  This implies that there is more to "Full Glass" than most people realize.  The second part of this statute defines what "safety equipment" is, so here is the definition.

"As used in this section(ARS 20-264), "safety equipment" means the glass used in the windshield, doors and windows and the glass, plastic or other material used in the lights of a motor vehicle."

Besides the windshield you look out of when you drive and the other glass you see all around you while sitting in your car, "Full Glass" coverage will repair or replace any cracked or broken light covers on your car.  And, without a deductible too!

So, if you have "Full Glass Coverage" on your Arizona auto insurance policy, don't put red tape on that cracked tail light.  Get it replaced knowing that you have the coverage along with a zero dollar deductible.  That's good coverage!

A cautionary note for you to consider.  If you have too many of these types of claims it may have an affect on your auto insurance rates, especially if you're shopping for new Arizona Auto Insurance Quotes.  Also, this coverage has a cost, it is not FREE.  Have your agent review the various options to see what best meets your needs and budget.

If you don't have an agent or insurance company, that's responsive to your needs, I would be more than happy to review your auto insurance with you and provide you with some competitive quotes and options.

Author: Richard Morris

Richard Morris, an independent insurance agent in Chandler, Arizona, has been serving and helping Arizona families with all their insurance needs for over 23 years. Visit his website at to see all the ways he can help you with your insurance needs or call the office at (480) 336-2707 or toll free at (888) 907-9349. Connect with Rich on Google+ and Twitter.
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