Most Denver drivers are eligible for $0 chip repair through their existing auto insurance. This guide covers how coverage works company by company and how to file a claim.
Colorado Revised Statute 10-4-613 requires every auto insurance company operating in Colorado to offer zero-deductible comprehensive glass coverage to every policyholder. This means:
No. Glass repair is filed as a comprehensive claim, not a collision claim. Comprehensive claims cover things outside your control -- glass damage, hail, theft, animal strikes. They are not considered at-fault events and do not affect your driving record or premium calculations. There is genuinely no downside to using your coverage for chip repair.
Coverage
Covered under comprehensive with no deductible for chip repair in most Colorado policies.
How to File
Report online, by app, or by phone (1-800-776-4737). Progressive frequently waives the deductible for chip repair even on policies without the glass coverage add-on.
Note: Progressive is one of the easiest insurers to work with for chip repair claims. They authorize most repairs within minutes.
Coverage
Covered under comprehensive. GEICO actively promotes chip repair because it saves them replacement costs.
How to File
File through the GEICO app or call 1-800-841-3000. GEICO has a dedicated glass claims process that is faster than their standard claims line.
Note: GEICO sometimes offers repair through their own preferred vendor network, but Colorado law guarantees your right to choose your own shop.
Coverage
Covered under comprehensive policies with the Safelite benefit or zero-deductible glass endorsement. Standard comprehensive also typically covers chip repair at no cost.
How to File
File through the State Farm app, online at statefarm.com, or call 1-800-732-5246. State Farm partners with Safelite but you are not required to use them.
Note: If State Farm directs you to Safelite, remember: CRS 10-4-633 gives you the legal right to choose any licensed repair shop in Colorado.
Coverage
Covered under comprehensive. USAA covers chip repair at $0 deductible for all comprehensive policyholders in Colorado.
How to File
File through the USAA app or call 1-800-531-8722. USAA processes glass claims quickly and has excellent customer support.
Note: USAA consistently rates as one of the best insurers for glass claims. They rarely push back on chip repair authorization.
Coverage
Covered under comprehensive. Allstate covers chip repair at $0 with their full glass coverage add-on. Standard comprehensive policies in Colorado also typically waive the deductible for repair.
How to File
File through the Allstate app, online, or call 1-800-255-7828. Select the glass/windshield option for faster routing.
Note: Allstate may offer their own mobile repair service. You can accept it or choose your own shop under Colorado law.
You can handle the claim yourself, or call us and we will do it for you. Either way, the process takes about 10 minutes.
Call (720) 918-7465 and give us your insurance company, policy number, and a description of the damage. We will verify your coverage immediately and handle the claim authorization on your behalf. Most drivers never need to call their insurance company at all.
Contact your insurance company through their app, website, or phone number. Report windshield chip damage and request a glass/chip repair claim. You will receive a claim number and authorization.
Your insurance company may suggest a preferred vendor (often Safelite). Under Colorado statute CRS 10-4-633, you have the legal right to choose any licensed auto glass repair shop. You do not have to use their recommended provider.
Book online or call us. We offer mobile service so the technician comes to you -- at home, at work, or anywhere in the Denver metro area. Most repairs can be scheduled same-day.
The repair takes 20 to 30 minutes. We bill your insurance directly. If your chip repair is covered at $0 (as most are), you pay nothing at the time of service and nothing after.
Colorado law (CRS 10-4-633) protects your right to choose any licensed auto glass repair shop for your insurance-covered work. If your insurance company tells you that you "must" use Safelite or another preferred vendor, that is not accurate under Colorado law.
Insurance companies can recommend a preferred shop and may offer incentives for using one, but they cannot require it, deny your claim, or reduce your reimbursement for choosing a different licensed provider.
If you experience any pushback from your insurance company about your choice of repair shop, contact the Colorado Division of Insurance at (303) 894-7499.
We verify your coverage, file the claim, and bill your insurance directly. You pay nothing if your chip repair is covered.