The easiest way for you is to let us handle all the insurance difficulties. We have direct connections to most major insurance glass departments and can get it authorized quickly. Have your policy info in hand (found on your proof of insurance) when you call one of our professionals, and we are more than happy to set up and arrange your application. How glass insurance works Automobile insurance is divided into two types: Collision and Comprehensive. The Comprehensive portion covers all glass damage. When you have glass damage, you must make a claim as soon as possible in order for you insurance company to pay the majority of the reparation bill. Because it’s not a collision, a glass claim does not make you a “higher risk” driver and usually will not affect your insurance rates. You can see your insurance agent if you are not completely certain of what they include.