The short answer is yes. Here's how Missouri comprehensive coverage works for auto glass and what you'll actually pay.
Short answer: yes, in most cases. Here's what you need to know.
In Missouri, windshield repair and replacement are covered under the comprehensive portion of your auto insurance policy. If you carry comprehensive coverage — which is required if you're financing or leasing your vehicle — your windshield is almost certainly covered.
For chip repairs, many carriers waive the deductible entirely. A repair costs less than your deductible in most cases, so insurers prefer it and cover it at $0 to the driver.
For full replacements, your deductible applies in most cases — though some policies have a separate, lower glass deductible. We'll tell you exactly what to expect before we start.
Filing a comprehensive glass claim typically does not raise your rates in Missouri. Comprehensive claims are treated differently from collision claims and are not usually considered when calculating your premium. That said, if you're concerned, call your agent to confirm before filing.
We deal directly with your insurer. You give us your insurance information, we verify your coverage, file the claim on your behalf, and bill them directly. You don't sit on hold or fill out forms. Call (715) 396-1720 and we'll check your coverage right now.
Yes — Missouri law gives you the right to choose any licensed auto glass shop you prefer, regardless of what your insurer suggests. Some carriers will point you toward their "preferred network" shops, but that's a recommendation, not a requirement. You are not obligated to use a shop your insurer directs you to.
If your insurer pushes back, simply state: "I'm exercising my right to choose my own glass provider under Missouri law." We've handled this situation before and can walk you through it if needed.
The whole process from your first call to a finished windshield is usually the same day.
Claim approval is typically immediate — most insurers issue an authorization within minutes once we contact them. The actual repair or replacement is done on-site the same day in most cases. Chip repairs take about 30 minutes. Full replacements take 60 to 90 minutes. The only variable is scheduling availability, which is usually same-day or next-day.
The general process is the same across carriers, but some details vary — deductible amounts, preferred authorization processes, and whether chip repairs are waived. See our guides for the major Missouri carriers:
Questions? Call us and we'll give you a straight answer — and check your insurance while we're at it.
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Yes, in most cases. Windshield repair and replacement are covered under the comprehensive portion of your auto insurance policy in Missouri. If you carry comprehensive coverage — required for financed or leased vehicles — your windshield is almost certainly covered.
For chip repairs, many carriers waive the deductible entirely — a repair costs less than most deductibles, so insurers prefer to cover it at $0. For full replacements, your deductible typically applies, though some policies have a separate, lower glass deductible. We'll tell you exactly what to expect before we start.
Typically no. Comprehensive glass claims are treated differently from collision claims in Missouri and are generally not considered when calculating your premium. If you're concerned, call your agent to confirm before filing.
We handle it for you. You give us your insurance information, we verify your coverage, file the claim on your behalf, and bill your insurer directly. You don't sit on hold or fill out forms. Call (715) 396-1720 and we'll check your coverage right now.
In most cases yes — ADAS calibration is included as part of the windshield replacement claim when your vehicle requires it. We confirm this when we verify your coverage so there are no surprises.
If you only have liability coverage, windshield replacement is not covered by your insurance. Out-of-pocket windshield replacement in the Raymore area typically runs $200 to $600 depending on the vehicle. Call (715) 396-1720 for a direct quote.