Glass claims and your premium

Compiled by the Low Price Auto Glass Wiki editorial team · Published 9 November 2026 · Checked 9 November 2026

At a glance: In Texas, windshield damage from hail or flying gravel is a comprehensive claim, paid minus the deductible. Insurers may not refuse renewal for weather or gravel claims but may raise the deductible after three gravel claims in 36 months^[1].

Which coverage pays for glass?

In Texas, glass damage that is not from a collision, such as hail, a stone thrown up by a truck, vandalism or theft, falls under comprehensive coverage, according to the Texas Department of Insurance^[1]. Texas requires liability coverage, which pays for damage you cause to others; comprehensive is one of the coverages a driver can choose whether to buy^[1]. A liability-only policy does not pay to repair your own car.

How does the deductible work?

The insurer pays the covered cost minus your deductible. TDI’s example: on a $1,500 claim with a $500 deductible, the insurer pays $1,000^[1]. For glass, the arithmetic often points the other way. If a windshield costs less than the deductible, a claim pays nothing. That is the case the shop has in mind when it says that “in many cases” it can do the work “for less than the cost of your deductible”^[2].

Does a glass claim raise my premium?

TDI says Texas insurers may not refuse to renew a policy because of claims for weather damage or for damage from flying gravel. They may, however, raise the deductible after three flying-gravel claims in 36 months^[1]. Whether a premium changes at renewal depends on the insurer’s rating rules. The shop’s own article on the subject says some insurers do not raise rates for a single windshield claim while others count every claim^[3].

Who keeps the record of my claims?

Insurers share claim histories through the Comprehensive Loss Underwriting Exchange, known as a CLUE report. TDI says consumers can get a free copy of their own report each year from LexisNexis by calling 866-312-8076, and that an insurer can charge more or refuse to sell a policy based on it^[1]. A glass claim appears there even if it did not raise your rate.

What about hail?

Hail damage to glass is a comprehensive claim, and TDI lists hail among the damage most policies cover when comprehensive is bought^[1]. If hail also dents the body, ask the insurer how the glass and bodywork will be handled under the policy. North Texas hail is frequent enough that the shop issued an advisory after a Dallas hailstorm in October 2019^[4].

How does a glass claim usually go?

1. Photograph the damage and note the date and place.
2. Call the insurer or its glass line to open a claim; ask what the deductible is for glass.
3. Choose a shop. An insurer may offer a list of preferred shops but cannot require you to use one.
4. Confirm whether calibration is included if the car has a windshield camera.
5. Keep the invoice, which should name the glass part.

The steps are general practice; the point about preferred shops is from TDI’s guide^[1]. The shop says it works with all major insurers^[2].

Claim or pay cash?

Built from TDI guidance^[1]. This is not insurance advice; the policy wording governs.

Related reading

• OEM and aftermarket glass
• Temperature swings and cracks
• Address, hours and walk-ins
• What the shop does
• History, ratings and press

Sources cited

1. ^ ^{a b c d e f g h i} Auto insurance guide. Texas Department of Insurance. Verified 9 November 2026.
2. ^ ^{a b} Affordable Windshield Replacement Dallas (home page). Jacobs Low Price Auto Glass (lowpriceautoglass49.com). Verified 9 November 2026.
3. ^ Does Filing a Glass Claim Raise Insurance Rates?. Jacobs Low Price Auto Glass (lowpriceautoglass49.com). Verified 9 November 2026.
4. ^ Jacobs Low Price Auto Glass, newsroom (list of releases, 2019 to 2024). Press Advantage. Verified 9 November 2026.

Common questions