Glass coverage and out-of-pocket costs depend on your policy and deductible. Ask your insurer whether a glass claim could affect future premiums or discounts. It is not optional, it is not a premium add-on — it is the law.
Ask your insurer whether a glass claim could affect future premiums or discounts. This guide explains exactly how it works.
The Law: What Colorado Requires
Glass coverage and out-of-pocket costs depend on your policy and deductible.
Additional protections in Colorado law:
- Ask your insurer whether a glass claim could affect future premiums or discounts.
- Shop choice: You are legally entitled to choose any licensed glass shop. Your insurer cannot require you to use their preferred vendor. Glass coverage and out-of-pocket costs depend on your policy and deductible.
- Glass coverage and out-of-pocket costs depend on your policy and deductible. You can book the service and open the claim simultaneously.
Step-by-Step: How to File
- Confirm you have comprehensive coverage. Check your insurance card or app. If you see "comprehensive" listed as part of your coverage, you have it. If your vehicle is financed or leased, you are required to carry it by your lender.
- Call your insurer or open the app. Tell them: "I have windshield chip damage and I want to file a glass claim under my comprehensive coverage." Do not call it a collision claim. Specifically say "glass claim" or "comprehensive glass."
- Get your claim number. The call takes about 5 minutes. Most insurers approve glass claims on the spot. Write down your claim number.
- Book your repair. Call or book online with Pink Auto Glass. Provide your claim number, insurance company name, and policy number. The shop handles billing directly with your insurer — you never receive an invoice.
- Get it repaired. A mobile technician comes to your home or office. The repair takes 30 minutes. Glass coverage and out-of-pocket costs depend on your policy and deductible.
What to Say to Your Insurer (Word for Word)
Use this script:
"Hi, I'd like to file a glass claim under my comprehensive coverage. I have a windshield chip — it's not a collision claim, just a rock chip. Glass coverage and out-of-pocket costs depend on your policy and deductible. I'd like to use Pink Auto Glass in Denver. Can you open the claim and give me a claim number?"
Glass coverage and out-of-pocket costs depend on your policy and deductible. Can you transfer me to a supervisor?"
Common Insurance Companies and Their Glass Claim Process
The process is similar across all major insurers in Colorado. Here is what to expect from the most common carriers:
- State Farm: File online at statefarm.com or call 800-732-5246. Claims process instantly online. Shop choice is yours — do not let them redirect you to Safelite automatically.
- Progressive: File via app or at progressive.com. Glass claims approved within minutes. Select "Other shop" when given shop options.
- GEICO: File at geico.com or via the app under "File a Claim." GEICO heavily promotes their network — remind them of your Colorado shop choice rights.
- Allstate: File via the Allstate app or at allstate.com. Glass claims are under "Quick Claim" in the app.
- USAA: File via the USAA app or at usaa.com/auto. Glass claims process quickly and USAA generally has a smooth shop-choice process.
- Farmers: Call 800-435-7764 or file at farmers.com. Glass coverage and out-of-pocket costs depend on your policy and deductible.
What if You Do Not Have Comprehensive Coverage?
Glass coverage and out-of-pocket costs depend on your policy and deductible. You would pay out of pocket for the repair. Typical cash prices in Denver are $60 to $100 for a single chip. That said, adding comprehensive coverage to your policy is worth evaluating — Colorado's hail risk means comprehensive coverage tends to pay for itself quickly, and most drivers with financed vehicles are required to carry it anyway.
Frequently Asked Questions
Is windshield chip repair really free in Colorado?
Yes, for anyone with comprehensive auto insurance. Glass coverage and out-of-pocket costs depend on your policy and deductible. Ask your insurer whether a glass claim could affect future premiums or discounts.
Will filing raise my rates?
No. Colorado law classifies glass-only claims as non-chargeable. You can file multiple claims per year without any rate impact.
Do I need to call insurance before booking?
Not necessarily. You can book the repair first, then open the claim. Provide the claim number to your shop when you have it. Pink Auto Glass handles direct billing.
My insurer said I have to use Safelite. Is that true?
Colorado law gives you the right to choose any licensed glass shop. Glass coverage and out-of-pocket costs depend on your policy and deductible. You are not required to use any insurer-preferred vendor.