Comprehensive coverage is what pays for glass

Windshield damage is covered under the comprehensive portion of your auto policy — the optional coverage for non-collision damage like glass, theft, flood, and hail. Liability-only policies do not cover your own glass.

Unlike Florida, Texas does not have a law forcing insurers to waive your deductible on windshield glass. Whether you pay $0 depends on your policy: if you carry comprehensive with a low or waived glass deductible, or a full-glass coverage add-on, most replacements cost you nothing. If your comprehensive deductible is higher than the glass, you may owe part or all of it. We tell you the exact number on the phone.

How to check your own policy in two minutes

• Open your insurance app or your declarations page (the one-page summary, sometimes called the ‘dec page’).
• Look for a line that says Comprehensive or Other Than Collision. A dollar amount next to it means you have the coverage.
• Check whether you have full glass coverage or a separate glass deductible. Some Texas policies waive the deductible on glass; many do not.
• If you only see Bodily Injury, Property Damage, and PIP, you carry liability only and have no glass coverage.

Financed or leased? You almost certainly have coverage

If you have a loan or a lease, your lender almost certainly requires comprehensive coverage as a condition of the financing. In practice that means nearly every financed or leased vehicle in Leander has glass coverage, whether the driver realizes it or not.

We see it constantly: someone assumes they will pay several hundred dollars out of pocket, we check the policy, and the replacement costs them little or nothing.

How the auto glass claim process works in Texas

1. You call with your vehicle and carrierGive us your year, make, model, damage, and your insurance carrier. We confirm your coverage and glass deductible on the spot.
2. We document and file the claimWe photograph the damage, open the claim with your carrier or their glass administrator, and get the authorization number.
3. We do the work and recalibrateA technician replaces the glass at your home or office and performs any required ADAS recalibration as part of the same claim.
4. We invoice the insurer directlyYou pay only your deductible, if any. We bill the carrier for the covered amount. You sign once and we handle the follow-up.

Insurance carriers we work with in Leander

We file claims with every major carrier operating in Texas and Williamson County. If your carrier is not listed here, we almost certainly still work with it — just ask when you call.

• State Farm
• USAA
• Allstate
• Geico
• Farmers
• Progressive
• Liberty Mutual
• Nationwide
• Travelers
• American Family
• Mercury
• Texas Farm Bureau

We file the claim and you choose the shop

We document the damage, file the claim, work with your adjuster, and invoice the insurer directly for the covered amount. You sign once and we handle the follow-up.

And remember: Texas law protects your right to choose your own shop. Your carrier cannot force you to a preferred vendor. See our Texas windshield laws page for the details.

Frequently asked questions