Auto Glass Insurance Claims in Missouri & Illinois
Missouri & Illinoise Auto Glass Insurance Claims
Most comprehensive auto insurance policies cover windshield repairs, replacements, and windshield camera calibration, and Martin Glass handles the entire claims process on your behalf. You provide basic policy information. We take it from there.
Since 1933, we’ve worked with drivers across Missouri and Illinois to make auto glass insurance claims as straightforward as possible. One call to our team sets the whole thing in motion.
Does Comprehensive Insurance Cover Auto Glass Repairs?
Comprehensive auto insurance typically covers the cost of windshield repairs and replacements. If your policy includes comprehensive coverage, you’re generally responsible only for your deductible for replacements and, in some cases, not even that.
Common situations covered under comprehensive policies include:
- Road debris causing a chip or crack
- Hail or storm damage
- Vandalism
- Tree branches or falling objects
If you’re not sure what your policy covers, our team can help you sort it out before any work begins. We assess the damage, confirm what your insurance will likely cover, and handle all coordination with your carrier from that point forward.
How Our Auto Glass Insurance Claims Process Works
When you contact Martin Glass, here’s what to expect:
We’ll evaluate your windshield or auto glass damage and determine whether a repair or full replacement is the right solution. Once that’s confirmed, we’ll ask for a few pieces of information to start your claim:
- Your insurance company name
- Policy number
- Date the damage occurred
- VIN (vehicle identification number)/Year, make, and model of your vehicle
From there, our team manages all paperwork and direct communication with your insurer. You won’t be on hold with your carrier or tracking down claim numbers. When the repair or replacement and any required ADAS camera recalibration are complete, you’re ready to go.
Your Right To Choose Your Own Auto Glass Shop
Missouri and Illinois law give you the right to choose your own auto glass repair shop, regardless of which company your insurer recommends. Martin Glass works directly with all major insurance carriers and networks, so there’s no added friction on our end.
Trusted for Auto Glass Claims Across the St. Louis Metro Area
Martin Glass has been serving drivers in the St. Louis area and throughout southern Illinois for over 90 years. We take pride in doing the job right using quality glass and following industry installation standards, and we stand behind every repair and replacement we perform.
Our four locations cover the greater metro area, and we offer mobile service to your home or workplace at no additional charge, which means filing a claim and getting your vehicle back in safe condition doesn’t have to disrupt your day. Some vehicles require static calibrations for windshield-mounted cameras and will need to be dropped off at our location. Request a quote today, and let our team handle the rest.
Frequently Asked Questions About Auto Glass Insurance Claims
Can I choose my own auto glass company for an insurance claim?
Yes, and that choice matters more than most drivers realize. Missouri and Illinois law give you the right to select your own auto glass repair shop, regardless of who your insurer recommends. Martin Glass works directly with all major carriers and networks, so we handle the coordination on our end, and you’re not left managing paperwork on both sides.
Will filing an auto glass insurance claim raise my rates?
Auto glass claims filed under comprehensive coverage typically don’t affect your rate the same way a collision claim would. Most insurers treat windshield repairs and replacements as no-fault events. That said, policies vary, so it’s worth a quick check with your carrier before filing.
Do I need to pay a deductible for windshield replacement in Missouri?
In Missouri, whether you owe a deductible depends on your specific policy. Some comprehensive policies include zero-deductible auto glass coverage, meaning Martin Glass handles the repair or replacement at no out-of-pocket cost to you. We can help confirm what your policy covers before we get started.
Does Martin Glass handle ADAS camera recalibration as part of a windshield replacement?
Yes. Modern vehicles with forward-facing cameras require windshield camera recalibration after a replacement. Martin Glass performs ADAS calibration in conjunction with replacement services — and in most cases, calibration can be covered under the same insurance claim as the windshield itself.