Denver Auto Glass Insurance Claims

Filing a windshield insurance claim in Denver is straightforward -- and we do most of the work for you. This guide covers the process for every major insurer.

Start Your Claim(720) 918-7465

Colorado Law Is on Your Side

CRS 10-4-613 -- Zero-Deductible Glass Coverage: Colorado law requires every auto insurance company operating in the state to offer zero-deductible glass coverage to policyholders. If you added this option to your comprehensive policy, windshield repairs and replacements are covered at no out-of-pocket cost.

Right to Choose Your Shop: Colorado law prohibits insurers from forcing you to use a specific auto glass provider. You have the right to choose any licensed shop -- including mobile services that come to your location.

No Rate Increases: Filing a comprehensive glass claim is not an at-fault claim. It will not raise your insurance premiums. This is a no-risk claim for Denver drivers.

How to File a Windshield Insurance Claim in Denver

Six steps from cracked glass to driving away -- most of which we handle for you.

1

Contact Us First

Call (720) 918-7465 or book online. We will verify your insurance coverage and can often file the claim for you, saving you a step.

2

We Verify Your Coverage

We check your policy for glass coverage, confirm your deductible (often $0), and determine if your insurer requires pre-authorization.

3

Claim Filed

Either you or we file the claim with your carrier. A claim number is assigned. This process takes about 10 minutes.

4

Service Scheduled

We schedule a mobile appointment at your preferred Denver location. Most same-day or next-day appointments are available.

5

Repair or Replacement Done

Our certified technician arrives, completes the work, and we bill your insurer directly. You sign off on the completed work.

6

You Pay Nothing (or Just Your Deductible)

Most Denver drivers with glass coverage pay $0. If your deductible applies, we collect only that amount. No surprise charges.

Filing Guide by Insurance Company

Select your insurer below for specific instructions on filing your Denver windshield claim.

Progressive Windshield Claim

  1. 1

    Call Progressive at 1-800-776-4737 or log in to your Progressive app

  2. 2

    Select 'File a Glass Claim' under the claims section

  3. 3

    Provide your policy number, vehicle details, and description of damage

  4. 4

    Progressive will issue a claim number -- share it with us when you book

  5. 5

    We bill Progressive directly; most drivers pay $0 with glass coverage

Progressive offers full glass coverage as an add-on to comprehensive. If you have it, chip repairs and replacements are covered with no deductible. They also allow you to choose your own shop.

GEICO Windshield Claim

  1. 1

    Call GEICO glass claims at 1-800-841-3000 or use the GEICO Mobile app

  2. 2

    Select 'Glass Damage' as your claim type

  3. 3

    Provide your policy details and a description of the windshield damage

  4. 4

    GEICO assigns a claim number -- give it to us when scheduling

  5. 5

    We handle the rest: service, billing, and warranty

GEICO covers windshield replacement under comprehensive coverage. Chip repairs are typically $0 with no deductible even on standard policies. GEICO's glass claims do not count against your driving record.

State Farm Windshield Claim

  1. 1

    Call State Farm at 1-800-732-5246 or file through the State Farm app

  2. 2

    Choose 'Windshield/Glass' as the damage type

  3. 3

    Your agent can also file the claim on your behalf if you prefer

  4. 4

    State Farm provides a claim number for your records

  5. 5

    Schedule with us and we direct-bill State Farm

State Farm offers zero-deductible glass coverage in Colorado as an optional add-on. Even without it, chip repairs are often covered at $0. State Farm is one of the most-used insurers in the Denver metro area.

USAA Windshield Claim

  1. 1

    Call USAA at 1-800-531-8722 or file through usaa.com

  2. 2

    Select 'Glass Only' claim type under auto claims

  3. 3

    Provide your vehicle and damage information

  4. 4

    USAA issues a claim reference number

  5. 5

    Book with us and provide the claim number -- we handle billing

USAA members typically have excellent glass coverage. Zero-deductible windshield repair and replacement is standard on most USAA comprehensive policies. Denver has a large military and veteran community well-served by USAA.

Allstate Windshield Claim

  1. 1

    Call Allstate claims at 1-800-255-7828 or use the Allstate Mobile app

  2. 2

    File a glass-only claim under your comprehensive coverage

  3. 3

    Provide vehicle year, make, model, and damage description

  4. 4

    Receive your claim number from Allstate

  5. 5

    Schedule your appointment with us -- we direct-bill Allstate

Allstate offers a full glass endorsement in Colorado that covers windshield replacement with $0 deductible. Colorado law guarantees your right to choose your own auto glass provider, regardless of what Allstate may suggest.

Your Right to Choose Your Auto Glass Provider

Some insurance companies may suggest or steer you toward a preferred vendor. Know your rights as a Colorado policyholder.

Colorado law prohibits insurers from requiring you to use a specific auto glass shop

You are free to choose any licensed, certified provider for your windshield work

Your insurer cannot reduce your benefit or charge extra for using an out-of-network provider

If an insurer pressures you to use their preferred vendor, you can file a complaint with the Colorado Division of Insurance

We work with all major insurance carriers and handle direct billing on your behalf

Common Insurance Questions

Will filing a glass claim raise my rates?

No. Windshield claims are filed under comprehensive coverage, not collision. They are classified as no-fault events and do not affect your premium in Colorado.

What if I do not know whether I have glass coverage?

Call us at (720) 918-7465. We can contact your insurer and verify your coverage in minutes, at no charge. Most Denver drivers are surprised to find they already have full glass coverage.

How long does the claim process take?

Filing the claim takes about 10 minutes. Once approved, we can often schedule same-day or next-day service. The entire process from initial call to driving away with a new windshield can happen in a single day.

Do I need a police report for a windshield claim?

No. Windshield damage from road debris, weather, or general wear does not require a police report. Only damage from a vehicle break-in or vandalism may benefit from a report for documentation purposes.

Related Guides

Windshield replacement cost in DenverSame-day windshield service in DenverEmergency windshield replacement

Let Us Handle Your Insurance Claim

We verify your coverage, file the claim, and bill your insurer directly. Most Denver drivers pay nothing out of pocket.

Start Your Claim(720) 918-7465