Insurance Guide

The Insurance Guide

We help you navigate auto glass claims with clear steps and no surprises. From paperwork to billing, we keep you informed and handle the details.

Everything You Need to Know, Up Front

Navigating glass claims can be tricky, but we're here to help! With years of experience working alongside various insurance companies and their third-party administrators, we understand how they operate and can guide you through the process to ensure they will cover the cost. By knowing what to expect from the start, you'll find that the process runs much more smoothly. Contact us first, and we’ll provide you with clear instructions on how to handle your claim effectively.

how it works

Navigating Your Auto Glass Claim

Call us first. While we can’t set up your claim, we can provide essential information to help you navigate the process smoothly and effectively communicate with your insurance.

Start With Us

Call us first! Insurance reps or third-party administrators can give you confusing or incomplete information about us or the process. We’ll walk you through what to expect and help you prepare for their questions so things go smoothly.

Contact Your Insurance

Use the 800 claims number on your insurance card. Skip apps and agents — they often mismanage glass claims or steer you to low-quality shops. We’ll guide you through the call to make sure you provide the info they ask for, and the claim is properly assigned to us.

We Handle the Rest

Once your claim is assigned, we take it from there. We’ll manage approvals, parts, and pricing, then bill your insurance directly for any charges above your deductible. Easy and hassle-free!

No Insurance? No Problem!

Answers to the frequently asked questions.

Need more details? Call us directly – we explain everything upfront.

Does the windshield guy work with my insurance provider?

Yes, we have not met an insurance company we couldn’t work with

Do you waive my deductibles?

We do not waive deductibles, as doing so is illegal in Idaho and constitutes insurance fraud. For reference, please see ID Code § 41-348 (2024), sections (2) and (2c).

Why does my insurance company say I have to go the giant national chain?

If your insurance company claims you must use a large national chain, that’s misleading and may be illegal steering. Steering happens when insurers or third-party administrators push policyholders to choose specific repair shops for financial reasons rather than what’s best for them. Many insurers partner with third-party administrators that are financially linked to these chains, leading to biased recommendations. These administrators may also make false claims about shops like The Windshield Guy. Idaho law allows consumers to choose their repair shops freely, and insurers must inform policyholders of their options without using false pricing or incentives. In Idaho, you have the right to select any repair shop you want.

Is my insurance company lying to me?

Possibly, but most likely its the 3rd party administrator doing the misleading or an uninformed agent or agent assistant making a misleading comments. Here are some examples of what you might experience:

Inflated Pricing: Policyholders may be told that the costs for repairs or replacements are higher than they actually are. We have never charged anyone more than their deductible amount in the 42 years in business.
Limited Choices: Insurers imply customers must use preferred vendors (ike Safelite), but policy holders have the right to choose any repair shop.
False Competitors Claims: Misleading statements about other shops’ capabilities. They have directly implied, about us, that we can’t do ADAS recalibrations! False! We have certified technicians with years of experience/
Misrepresentation of Warrant/Coverage: Policyholders might receive misleading information regarding warranties on work or coverage options, which can lead to confusion about what is actually covered under their policy. We offer lifetime warranty.
Claims Process: The process is portrayed as more restrictive that it is (like “you can only file online or through an app”), creating unnecessary confusion.
Lack of Transparency: Insurers ask for a quote, then say they’ll cover less - often $300-$400 under by omitting essential line items like ADAS recalibration, moulding, clips, and other necessary parts. Creating fear about out-of-pocket costs. Remember we don't charge more than your deductible, so this is very misleading.