Boulder County Auto Glass Insurance Claims
Most Boulder County drivers pay $0 for windshield chip repair through their insurance. We handle the entire claims process -- call us before you call your insurer.
Colorado's Zero-Deductible Glass Coverage (CRS 10-4-613)
Colorado law requires insurance companies to offer an optional endorsement that waives your deductible for auto glass repair and replacement. Many Boulder County drivers already have this coverage.
What CRS 10-4-613 Means for You
- Your insurer must offer this option. If they haven't, ask about adding zero-deductible glass coverage to your policy.
- Cost is typically $1-$3 per month. For the price of a cup of coffee, you eliminate any out-of-pocket cost for windshield repair or replacement.
- Applies to chip repair AND full replacement. Whether it's a quick 20-minute chip fill or a complete windshield replacement with ADAS calibration.
- Filing a glass claim does not raise your rates. In Colorado, glass claims are considered no-fault and do not impact your premium.
How to Check If You Have Zero-Deductible Coverage
Look at your auto insurance declarations page under "comprehensive coverage." If you see "glass deductible: $0" or "zero deductible glass," you're covered. If you're not sure, call us at (720) 918-7465 and we'll verify your coverage in minutes.
How We Handle Your Insurance Claim
We manage the entire process from start to finish. Here's exactly what happens when you call us.
You call or book online
Tell us about your damage and your vehicle. We'll ask for your insurance info (carrier, policy number, and phone number on your insurance card).
We verify your coverage
We contact your insurer and confirm what's covered, what your deductible is (if any), and whether you have zero-deductible glass coverage.
We tell you exactly what you'll pay
Before any work begins, you'll know your out-of-pocket cost. For most Boulder County drivers with comprehensive coverage, that number is $0.
We schedule and perform the service
Mobile technician comes to your location. Chip repair takes 20-30 minutes. Replacement takes 60-90 minutes. ADAS calibration included if needed.
We bill your insurer directly
You sign one authorization form. We handle all paperwork, photos, and billing with your insurance company. You're done.
Insurance Carriers We Work With
We work with every major insurance carrier and most regional ones. Here are the carriers most common among Boulder County drivers.
State Farm
GEICO
Progressive
Allstate
USAA
Farmers
Liberty Mutual
Nationwide
American Family
Erie Insurance
Travelers
Auto-Owners
Don't see your carrier listed? We likely work with them too. Call (720) 918-7465 and we'll verify.
Your Rights as a Colorado Driver
Right to Choose Your Shop
Colorado law protects your right to choose any licensed auto glass shop. Your insurer may suggest their "preferred network," but they cannot require you to use a specific provider. You pick who does the work.
No Rate Increase for Glass Claims
Windshield damage from road debris is considered a comprehensive (not-at-fault) claim. Filing a glass claim will not increase your premium. There's no reason to pay out of pocket to "protect your rate."
ADAS Calibration Must Be Covered
If your vehicle requires ADAS calibration after windshield replacement, your insurance must cover it as part of the replacement claim. It's not an optional add-on -- it's a required part of restoring your vehicle to safe operation.
CU Boulder Students
Most CU students driving a car registered to their parents are covered under their parents' comprehensive insurance. Your chip repair is probably free.
CU Student Insurance GuideInsurance FAQ
Will my rates go up if I file a glass claim?
No. In Colorado, glass claims are filed under comprehensive coverage, which is considered not-at-fault. Your premium will not increase.
Do I need to call my insurance company first?
No -- call us first. We verify your coverage, confirm your out-of-pocket cost, and then handle the claim filing on your behalf. It's faster and easier.
What if I don't have comprehensive coverage?
Without comprehensive coverage, insurance won't cover glass damage. Cash pricing for chip repair is typically $65-$85, and full replacement ranges from $250-$800 depending on your vehicle.
How long does the insurance process take?
We typically verify your coverage within 15 minutes. Many claims are approved same-day, and we can often complete the work the same day we get approval.
Can my insurer force me to go to a specific shop?
No. Colorado law protects your right to choose any licensed auto glass provider. Your insurer may recommend shops, but you're not required to use them.
Let Us Handle Your Insurance Claim
We verify coverage, file the claim, do the work, and bill your insurer. You pay nothing (or just your deductible). It takes one phone call.