Yes! we work with insurance

Yes we work with insurance for glass claims. Not every glass damage needs to or should be filed under insurance. In fact, many times we recommend to NOT fill a claim immediately until we have determined what the out of pocket cost would be for your service as your deductible may actually be more than the cost to repair your windshield or replace your windshield or other glass.

You can ALWAYS choose your shop. 

Right to Choose

You ALWAYS have the right to choose any show you wish to do the work. You do not have to go to the shop your insurance company tells you to use or recommends. In fact most of the time, the glass claim representative you are speaking with at your insurance company doesn’t work for the insurance company. Instead they usually work for a third party glass claim administrator owned by a large national auto glass company that heavily advertises on tv and online. Most of the time, these same representatives may try to convince you to use their “preferred” shop AKA themselves and may say things like the shop you have chose does not participate in your insurance companies glass program.

If you want to file a claim, we recommend to give us a call first and then we can discuss the pros/cons of filing the claim and make a phone call with you to get the claim filed as assigned over to us as quickly as possible. 

What to know about insurance glass claims

Auto insurance policies will cover glass in three different ways. Collision, Comprehensive, and Separate Glass coverage endorsements or rides. 

The most common glass claim falls under Comprehensive coverage 
This coverage is designed to protect against non-collision events, such as theft, vandalism, animal damage, weather damage, hail, and damage to auto glass. It is typically not required by state law, but almost all “Full Coverage” policies will have comprehensive coverage on it. I's often recommended for comprehensive protection. 

Glass only claim versus glass coverage as part of collision or comprehensive claim.

Collision coverage of Glass,

If your vehicle was involved in an accident such as a car wreck and glass was damaged as part of that wreck, glass would usually fall under the collision claim that is for all the damage incurred during the collision. This type of claim does not require a separate

Glass Coverage 
Some insurance companies offer a separate glass coverage rider that specifically covers auto glass repairs and replacements and may have a separate deductible from your comprehensive deductible. This is often an optional add-on to your policy.

Comprehensive Deducible

Like other insurance coverages, you may have a deductible associated with your comprehensive or glass coverage. A deductible is the amount you're responsible for paying out of pocket before your insurance coverage kicks in. The amount of the deductible can vary depending on your policy.

Right to choose: 
By Georgia code § 33-34-6, you have the right to choose and use the shop of your choice for your repair, replacement, or calibration service. Your insurance company is also required to pay fair and reasonable rates based on the market. If your insurance says you have to use this shop for the service to be covered by them or contacts you after you have already chosen your shop to get you to choose one of their “Program participant” shops, this is called steering and is illegal. An insurance company or third-party claim representing one deductible with a participant and another deductible with a non-program participant is also a form of steering. Attempts to steer should be reported to the insurance commissioners office.