— Auto Glass Insurance Claims · Denver, CO
A cracked windshield or shattered window is stressful enough without navigating an insurance claim on your own. We work directly with your insurer, verify your coverage, and handle all paperwork – your only job is booking the appointment.
When you think glass, think Competition Auto Glass
— Does My Insurance Cover Auto Glass Damage?
Auto glass damage – whether from a rock chip on I-70, a hailstorm, a break-in, or a temperature stress crack – is treated as a comprehensive claim rather than a collision claim. That distinction matters because comprehensive claims typically carry a lower deductible and, in Colorado, do not affect your premium the way an at-fault accident would.
Your Right to Choose: Under Colorado Revised Statutes § 10-4-613, you have the right to choose any licensed auto glass provider. Your insurer cannot penalise you for choosing Competition Auto Glass.
— How the Claims Process Works
We have handled hundreds of insurance claims for Denver drivers and made the process as straightforward as possible. Here is what to expect from your first call to the completed installation.
Step 1 - Call or Contact Us First
You do not need to call your insurer before calling us. Reach out to Competition Auto Glass and tell us what happened. We will ask for your insurance details and take it from there.
Step 2 - We Verify Your Coverage
Our team contacts your insurer directly to confirm your coverage type, deductible, and any glass-specific provisions on your policy. We will tell you exactly what you will pay — if anything — before we schedule the job.
Step 3 - We Coordinate the Claim With You
We contact your insurer, confirm your coverage, and guide you through the claim approval call — telling you exactly what to say and handling the technical side. Once approved, we take care of everything else.
Step 4 - We Complete the Replacement
Once the claim is approved, we schedule your appointment — at our shop or at your location via mobile service. We use OEM-quality glass and AGRSS-approved adhesives, backed by a lifetime workmanship warranty.
Step 5 - We Bill Your Insurer Directly
We invoice the insurer directly for the approved amount. If a deductible applies, we will have told you that in Step 2 – so there are no surprises at pickup.
Most claims approved and scheduled
Out-of-pocket for most comprehensive claims
If your comprehensive deductible is $500 or $1,000, and the replacement cost is lower than that, filing a claim may not make financial sense. Here is what to know:
Colorado ranks among the top states for hail-related insurance claims. If your vehicle sustained hail damage across multiple glass panels, here is what to know:
— Mobile Service
If your windshield is too damaged to drive safely, or your side window has been smashed in a break-in, you should not have to move the vehicle. Our mobile team comes to your home, office, or wherever the car is parked, fully equipped to complete the replacement on-site.
Mobile service is available across Denver and surrounding suburbs. Most appointments available within 24 hours, same-day options on many days. The quality of a mobile installation is identical to our shop work – same glass, same adhesives, same warranty.
— FAQs
Have a question not answered here? Call us on (720) 239-1133 – we are happy to talk you through anything before you book.
Do I need to contact my insurer before calling you?
No. Call us first. We contact your insurer on your behalf, verify your coverage, and handle the claim from there. It saves you time and removes the back-and-forth.
Will filing a glass claim raise my insurance rates?
A single comprehensive glass claim typically does not affect your premium in Colorado. Glass claims are generally treated differently from at-fault accidents. That said, policies vary – we recommend confirming with your insurer if this is a concern.
What if my insurer tries to send me to a different shop?
Under Colorado law, you have the right to choose your own provider. Politely tell your insurer you will be using Competition Auto Glass and give them our details. We will take it from there.
How long does the insurance process take?
Most claims are approved and scheduled within one to two business days. For urgent situations – a shattered window or a vehicle you cannot drive – call us and we will prioritise accordingly.
What if my vehicle has ADAS cameras or sensors?
We handle ADAS recalibration as part of the replacement process. Some insurers cover recalibration under the glass claim – we confirm this when we verify your coverage. Either way, we will tell you the full cost picture before we start.
Is the replacement guaranteed?
Yes. Every installation comes with a lifetime workmanship warranty covering air leaks, water leaks, and any defect caused by the installation itself. Glass manufacturer warranties apply separately.
Is windshield replacement free in Colorado?
Many Colorado drivers pay $0 for windshield replacement when their comprehensive policy includes glass coverage. Colorado does not legally mandate zero-deductible glass coverage statewide, but most major carriers offer it as a policy option. We verify your specific coverage before any work begins.
Will filing a glass claim raise my premium?
Most Colorado insurers treat glass-only claims as no-fault comprehensive claims, which typically don’t raise rates. However, frequency of claims can be a factor over time, and policies vary. Always confirm with your specific carrier before filing.
What if my insurance denies the claim?
If your insurance claim is denied, our team will explain the reason provided by the insurer and discuss the available next steps with you. Depending on the situation, this may include direct-pay options or providing documentation related to the replacement. No work is completed without your approval of the final cost.
Which insurance carriers do you bill directly?
We work with most major insurance carriers, including State Farm, Allstate, Progressive, Travelers, and Safeco. Coverage and billing processes can vary depending on your policy and claim type. If your carrier isn’t listed, contact Competition Auto Glass and our team can help confirm your coverage options and claim process.
Do I have to use the shop my insurer recommends?
No. Colorado law gives you the right to choose your auto glass repair shop regardless of insurer recommendations. Your comprehensive coverage applies to any licensed shop you select. We’re happy to work directly with your insurer regardless of their preferred network.
