Auto Glass Insurance and Claims Guide

Emergency Glass Repair connects drivers with local auto glass shop partners. A shop can review your vehicle and damage and contact you with a quote. Submitting a request does not file an insurance claim or book an appointment.

Will insurance cover my auto glass?

Comprehensive coverage may cover glass damage caused by events other than a collision. Coverage depends on your policy, the cause of damage, the glass involved, your deductible and applicable state rules. Collision or another type of coverage may apply in other circumstances. Your insurer makes the coverage determination.

A deductible may apply. Some policies offer separate glass coverage or a different glass deductible. Ask your insurer what you would owe and compare that amount with the shop’s total quote before deciding how to proceed. See the National Association of Insurance Commissioners’ auto insurance guide.

How a deductible works

A deductible is the amount you pay toward a covered loss when the policy requires one. For example, if the insurer approves $1,000 in covered repairs and a $500 deductible applies, the insurer’s payment would generally be $500 and your share would be $500. If approved covered repairs cost $300 with the same deductible, the insurer would generally pay nothing. These examples assume no special glass benefit and do not include charges or work the insurer does not cover.

Glass repair and replacement can have different deductibles. A policy may offer a reduced or waived glass deductible; state rules and policy terms differ. Ask your insurer to confirm the applicable deductible, approved amount and any other costs before authorizing service. Learn more about deductibles from Travelers.

Insurance companies and names

These are insurance company and program names you may recognize when checking your policy. Inclusion is for reference only. It does not mean Emergency Glass Repair or a local shop is affiliated with, approved by, or in a direct repair network for an insurer. Ask your insurer and the shop whether they can work together on your particular claim.

• 21st Century
• AAA (CSAA)
• Allstate
• American Family
• American National Property and Casualty
• Amica
• Bristol West
• CONNECT, formerly powered by American Family Insurance (including Costco program policies)
• Esurance
• Farmers
• GEICO
• The Hartford (also listed as Hartford)
• Kemper
• Liberty Mutual
• Mercury
• MetLife Auto & Home
• Nationwide
• Progressive
• Safeco (now Liberty Mutual)
• Safety Insurance
• State Farm
• Travelers
• USAA

Names and programs can change. CSAA is one AAA insurer and service areas vary. Esurance is an Allstate company. CONNECT, powered by American Family, is now American Family Insurance. Farmers acquired MetLife’s Auto & Home business in 2021; policyholders should check their current documents for the company handling their policy. “Hartford” and “The Hartford” refer here to the same brand. Your declarations page or insurance card can help identify the company and claims contact for your policy.

Sources: CSAA, Esurance, Costco auto and home insurance, and Farmers’ acquisition announcement.

How glass claims and third-party administrators work

Some insurers use a third-party administrator to help handle glass claims. An administrator may collect claim details, coordinate an assessment, help arrange service or process billing on the insurer’s behalf. Its role depends on the insurer and claim. For example, as of November 8, 2026, State Farm identifies Safelite Solutions LLC as its third-party glass program administrator. Arrangements can change, so check your insurer’s current claim instructions.

The insurer provides the policy and determines coverage under its terms. A claims administrator handles the tasks assigned to it. The glass shop assesses the glass, provides the repair or replacement, and discusses the work and price with you. An administrator and a shop are not necessarily the same business, even when their names are similar. A referral or recommendation is not a guarantee that a particular shop will accept your claim or that the insurer will pay the full amount.

1. Contact your insurer using the number on your policy or insurance card. Ask whether your policy covers the damage and what deductible may apply.
2. If you decide to file, report the damage to your insurer or its designated administrator. Have your policy information, vehicle details and description of the damage ready. You may be asked for photos or other details.
3. Ask whether an inspection, estimate or authorization is required before work begins. Confirm any shop-selection rules, payment arrangements and potential costs with the insurer or administrator and the shop.
4. Once the required steps are complete, decide whether to schedule with the shop. Keep your claim number and copies of the estimate and any authorization.

Network and non-network glass shops

An insurer or its claims administrator may offer a network of glass shops that have agreements with that program. A non-network shop does not participate in that particular network. Network status alone does not determine a shop’s skill, whether your claim is covered, or whether the insurer will pay a particular charge. Ask the insurer or administrator and the shop to confirm the shop’s status for your claim.

What may differ

• 📅 Scheduling and billing: A network program may coordinate an appointment and direct billing. A non-network shop may also bill the insurer directly, or you may need to submit an estimate, invoice or proof of payment. Ask both parties how your claim will be handled.
• 📋 Estimates and price: Network shops may have agreed pricing and procedures. Before work begins, compare the shop’s written estimate with the amount the insurer or administrator authorizes, including glass, labor, materials and any required camera calibration. Ask how additional work or a revised estimate will be approved.
• 💰 Your costs: Ask about the deductible, non-covered work and any difference between the shop’s price and the insurer’s approved payment. Do not assume a difference automatically becomes your responsibility; the answer depends on the facts, policy and applicable law.
• 🛡️ Warranty and service: An insurer may offer a program-specific workmanship guarantee for work at participating shops. A non-network shop may offer its own warranty. Ask who stands behind the work, what is covered and how to request help.

For example, Progressive describes prearranged prices and a guarantee for its glass network and says customers may choose another shop. These are that insurer’s program terms, not a promise about every insurer or shop.

Choosing a shop and authorizing work

Ask your insurer or its administrator whether you may use the shop you prefer and how to identify it when reporting the claim. You can also ask the shop whether it will work with your insurer. State rules and claim circumstances differ. For example, the California Department of Insurance explains repair-shop choice and reasonable repair costs, and the Texas Department of Insurance explains its shop-choice rules. Check the rules that apply to your claim rather than assuming every state is the same.

Before the shop begins, ask the insurer or administrator whether an inspection, estimate or authorization is needed. Obtain a written estimate and confirm the work, any calibration, the approved amount, who pays whom and your expected share. If damage or costs change, ask how a supplemental estimate is handled. Read any work authorization or assignment of benefits before signing; ask questions if you do not understand it. Keep copies of the claim number, estimate, approvals and invoice.

GEICO inspections

GEICO may require an inspection before approving or paying for work, depending on the claim. Its general auto claims FAQ says to schedule an inspection with a GEICO auto damage adjuster before repairs when using GEICO coverage. GEICO also notes that not all claims require a physical inspection. Glass-only procedures can differ, so contact GEICO or its designated claims representative to confirm the steps for your claim before work begins.

How to report a claim by insurer

These starting points were checked against insurer information on November 8, 2026. Some links explain glass-only claims; others are general claim routes, as noted. Procedures, contact details, coverage and deductibles can change and may vary by policy and state. Check your policy documents or contact your insurer to confirm the steps and any inspection or approval requirements before authorizing work. A listing does not imply a relationship with Emergency Glass Repair or its local shop partners.

• 21st Century: Report a claim online or call 888-244-6163. This is a general claims route; ask about the glass-specific process.
• AAA (CSAA): CSAA says MyPolicy has a form to initiate a glass claim. For assistance, call 800-922-8228. Other AAA insurers may use different processes.
• Allstate: File a glass-only claim through My Account or the Safelite link on Allstate’s glass page. Allstate says you do not have to use a Safelite repair shop.
• American Family: Start online, use the MyAmFam app or call 800-692-6326. Have your policy number and damage date ready; the glass program collects details and helps arrange service.
• American National Property and Casualty: For glass-only claims, call 800-333-2860 and follow the prompts.
• Amica: Contact Amica about the glass claim and ask about repair options; Amica says you can choose your own glass shop. Its general claim service includes online and phone reporting.
• Bristol West: Report a claim online or call 800-274-7865. This is a general claims route; ask about glass-specific steps.
• CONNECT, formerly powered by American Family: CONNECT is now American Family Insurance. The welcome page directs customers to My Account to report a claim; for help call 800-535-2001. Confirm the glass process for your policy.
• Esurance: Report online or call 800-378-7262. This is a general claims route; ask about glass-specific steps.
• Farmers: Use the glass page to schedule service. If choosing your own shop, provide its information during booking. If repairs are already complete, Farmers says you can file online for reimbursement and provide a receipt.
• GEICO: Report glass damage online and follow the instructions to arrange repair or replacement. Ask whether an inspection or authorization is needed for your claim before work begins.
• The Hartford (Hartford): Use its glass-only claim option or call 800-892-8484. You may be asked to describe the damage and how it happened.
• Kemper: Select Auto Glass on its claims page for damage to vehicle glass only. Follow the prompts and confirm the next steps.
• Liberty Mutual: Start an auto glass claim online. Have your policy number, phone number and details of the incident ready; check the applicable glass deductible in your account.
• Mercury: For an auto glass claim, Mercury directs customers to call 800-503-3724.
• MetLife Auto & Home / Farmers GroupSelect: Farmers acquired the former MetLife Auto & Home business. For Farmers GroupSelect Auto & Home claims, Farmers lists 800-854-6011. Check your current documents for the company handling your policy.
• Nationwide: Select File a glass claim on its auto claims page to get help arranging glass repair or replacement.
• Progressive: Report glass damage through your online policy account, the mobile app or claims center. A representative explains coverage and next steps.
• Safeco: Liberty Mutual says the Safeco brand name is retired. Contact your agent or use Liberty Mutual’s claims support to confirm how to report your claim.
• Safety Insurance: Its My Account service supports reporting a claim. Alternatively, ask your independent agent how to report glass damage. This is a general claims route.
• State Farm: File online, contact your agent, or call its glass administrator at 888-624-4410. Massachusetts policyholders should call 800-526-8210.
• Travelers: Individuals can report a glass claim online from its glass guide; check policy deductibles through MyTravelers or ask your agent. Business customers can call 800-238-6225.
• USAA: Report a glass claim on USAA.com or in the USAA Mobile App and check your policy for your coverage and deductible.

Questions to ask before you start a claim

• ✓ Does my policy cover this damage and this pane of glass? What deductible or other out-of-pocket amount applies?
• ✓ Do I need to report the damage, have it inspected or obtain authorization before work begins?
• ✓ Can I choose the shop? What happens if its price is higher than the amount the insurer approves?
• ✓ If my vehicle needs camera calibration, is it covered and are there requirements for the provider?
• ✓ How are payment and any reimbursement handled, and could a claim affect my premium or claims history?

Rules and policy terms vary by state and insurer. If the claim involves another driver, ask the relevant insurer how that changes the process. Keep your claim number and any written authorization or estimate.