The short answer
No. Arizona does not automatically give every driver a no-cost windshield. A.R.S. 20-264 requires an insurer writing private-passenger comprehensive coverage to make complete coverage for damaged safety equipment available at the insured's option, without a deductible. The driver must have selected that coverage before the damage occurred. Arizona DIFI calls it Full Glass or Safety Equipment coverage.
If you carry only liability, or comprehensive coverage without the full-glass option, damage to your own windshield may be uncovered or subject to the comprehensive deductible, depending on the policy. No deductible also does not mean no one pays; the insurer is billed for a covered loss. Before scheduling an insurance job, check the declarations page and have the carrier confirm the deductible, covered parts, calibration treatment and any customer responsibility. Commercial and fleet policies may work differently because the statute addresses private-passenger coverage.
