Memphis Auto Glass Pros
Memphis, TN · Auto Glass Specialists
Auto glass technician working on insurance-covered windshield replacement in Memphis TN

Memphis, TN • All Major Carriers Accepted

Auto Glass Insurance Claims in Memphis TN

We handle your insurance claim from start to finish. Tennessee law requires most insurers to waive the glass deductible under comprehensive coverage, most of our Memphis customers pay $0.

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We verify your coverage before we start. No surprises.

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Same-day service available. We'll call you back within the hour.

Tennessee law, Tenn. Code Ann. § 56-7-1201

Why Most Tennessee Drivers Pay $0 for Windshield Replacement

Tennessee is one of several states that requires insurers to waive the deductible on auto glass claims filed under comprehensive coverage. If you have comp coverage, your insurer cannot charge you your standard deductible for a glass claim.

This applies to windshield replacement, chip repair, side glass, and rear glass. The result: most Memphis drivers with comprehensive coverage pay nothing out of pocket for auto glass service.

$0
Out-of-Pocket Cost
With Comp Coverage (Most Cases)
All Carriers
Insurance Accepted
We Work with Every Major Insurer
Same Day
After Approval
Claims Processed Quickly
TN Law
Deductible Waiver
Required Under Most Comp Policies

How We Handle Your Claim

You call us once. We handle the rest.

01

You Call Us

Tell us your vehicle and your insurance carrier. We verify your coverage with the insurer before we schedule, no surprises about out-of-pocket cost.

02

We Open the Claim

We contact your insurer and open the glass claim on your behalf. We handle all the back-and-forth with the adjuster and submit the required documentation.

03

Glass is Replaced

Once the claim is approved, we schedule your appointment, shop or mobile. Same-day service is usually available for approved claims.

04

Insurer Pays Directly

The insurer pays us directly. You pay nothing (or just your deductible, if one applies). We handle billing end-to-end.

Insurance Carriers We Work With

We have an established claims process with every major carrier in Tennessee.

State Farm
GEICO
Progressive
Allstate
USAA
Travelers
Nationwide
Liberty Mutual
Farmers
AAA
Safeco
Kemper
Bristol West
Direct Auto
+ All Others

Don't see your carrier? Call us, we work with every insurer that covers vehicles in Tennessee.

Your Rights as a Tennessee Policyholder

Insurance companies don't always make these easy to find.

Right to Choose Your Shop

Tennessee law gives you the right to use the auto glass shop of your choice. Your insurer cannot require you to use a preferred network shop or direct you to their recommended vendor. If anyone implies otherwise, that is incorrect.

Right to a Zero Deductible

Under most comprehensive policies in Tennessee, your auto glass deductible is waived by state law. You should not be charged your standard comp deductible for a glass-only claim. If your insurer quotes you a deductible, ask specifically about the Tennessee glass waiver.

Right to OEM-Quality Glass

Your vehicle should be restored to its pre-loss condition. If your original windshield was factory OEM, you may have the right to OEM replacement glass. Check your policy's 'like kind and quality' language, or ask us, we can advise.

Insurance Claims: Frequently Asked Questions

Does my auto insurance cover windshield replacement in Tennessee?
If you carry comprehensive coverage, windshield replacement is almost always covered. Tennessee law (Tenn. Code Ann. § 56-7-1201) requires most insurers to waive the deductible on auto glass claims filed under comprehensive coverage. This means many Tennessee drivers pay $0 out of pocket for a windshield replacement. The specific outcome depends on your policy, we verify your coverage before we start.
What is the difference between comprehensive and collision coverage for glass?
Windshield damage from road debris, weather, vandalism, or falling objects is covered under comprehensive (also called 'other than collision'). Damage from an accident where you hit another vehicle or object is collision. Most windshield claims are filed under comprehensive, where Tennessee's zero-deductible rule applies. Collision claims count against your deductible as normal.
Will filing a glass claim raise my insurance rates?
A comprehensive glass claim typically does not affect your insurance rate. Comprehensive claims are generally not counted as 'at-fault' accidents and most insurers do not surcharge for them. That said, policies vary, if you're concerned, we can tell you upfront what type of claim we'd be filing so you can ask your agent before we proceed.
Which insurance companies do you work with?
We work with all major carriers: State Farm, GEICO, Progressive, Allstate, USAA, Travelers, Nationwide, Liberty Mutual, Farmers, AAA, and others. We are familiar with the claims processes for each carrier and handle the paperwork end-to-end. You provide your policy number and we do the rest.
What do I need to have ready when I call?
Your insurance carrier name, policy number, and the contact number on your insurance card. We'll look up the rest. If you don't have your card handy, just your carrier name and the best number to reach you, we can work with that to get the claim started.
Can I choose my own glass shop for an insurance claim in Tennessee?
Yes. Tennessee law gives you the right to choose your auto glass repair shop regardless of what your insurer or their claims department suggests. You are not required to use an insurer-recommended shop. If an insurer representative implies otherwise, they're wrong, your policy covers repair at the shop of your choice.
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Have comprehensive coverage? You probably pay $0.

We verify your coverage before we start. No surprises.

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