Arizona state law

In the state of Arizona, your insurance company cannot legally raise your rates for a claim where no one is at fault.

A. No insurer shall increase the motor vehicle insurance premium of an insured as a result of an accident not caused or significantly contributed to by the actions of the insured. Any insurer which increases the premium as a result of accident involvement shall notify the insured of the reason for such increase.

B. The director, after a hearing, shall order an insurer that has raised the premium of an insured in violation of subsection A to refund the amount attributable to such premium increase and shall impose a civil penalty not to exceed three hundred dollars. In determining whether an insurer has violated subsection A, the director may conduct such investigation as he deems necessary and the costs shall be paid by the insurer pursuant to section 20-159.

Source: Arizona State Legislature Website

Learn about your rights, become empowered

It’s important to remember that you have a choice when it comes to who installs your auto glass. You have a right to choose whichever shop you like, you don’t have to use someone they recommend. Less tactful insurance agents may even tell you you’ll have to pay out of pocket for a repair or replacement.

Don’t be fooled. Your insurance company cannot legally raise your rates for any reason regarding an auto glass claim where damage to the auto glass was the only damage.