Raleigh, NC. Glass claims, handled
Your auto glass insurance claim in Raleigh, NC, made simple
A rock off I-440 or a smashed window downtown is usually a comprehensive claim. Impex Auto Glass works with all major insurance providers, helps you file, and brings the new glass to wherever your car is parked Inside the Beltline.
- ClaimFiled with your insurer
- Your pickG.S. 58-3-180
- VINGlass matched to the car
- MobileAt home or at work
RaleighAutoGlass.org is run by Impex Auto Glass, serving Raleigh with mobile auto glass service.
- ComprehensiveThe coverage that pays for glassNCDOI lists breakage of glass under it.
- G.S. 58-3-180You choose the shopYour insurer pays the same either way.
- No SDIP pointsFor a glass claimPoints are for convictions and at-fault wrecks.
- On siteCamera calibrationDone by Impex after a new windshield.
Request a quote
Start your glass claim with a quote
Tell Impex Auto Glass which glass is damaged, the vehicle and how to reach you. If you are claiming, have your insurer’s name and your policy number handy, and Impex will help with the rest. Or call and talk it through.
- Impex works with all major insurance providers
- The glass is checked against your vehicle by VIN
- The work is done where your car is parked
The claim guides
Glass claims by insurer, and the coverage questions behind them
Most Raleigh drivers search for help the way they think about it: by the name on their insurance card, or by the question they cannot answer. Each guide below takes one.
Progressive windshield replacement
Filing a Progressive glass claim in Raleigh, step by step, and what to say if the claim line suggests a shop.
State Farm windshield replacement
Repair or replace, claim or pay: the decisions to make before you report a State Farm glass claim.
GEICO windshield replacement
From the GEICO glass claim to the mobile visit Inside the Beltline: the day of the job, and the 24 hours after it.
Full glass coverage in NC
What full glass coverage means, why North Carolina has no law requiring it, and how to tell whether your policy has it.
Does comprehensive cover a windshield?
What the NC Department of Insurance says comprehensive pays for, the deductible, and why a glass claim adds no SDIP points.
Inside the Beltline service areas
Downtown, Five Points, Oakwood, Glenwood South, Cameron Village and Hillsborough Street: where the mobile visit happens.
How a glass claim works
From the crack to the bill, in four steps
This is how an auto glass insurance claim usually runs in Raleigh. Your policy decides the details, and Impex helps at each step.
- 1
Look at the damage
A chip smaller than a quarter, away from the edge, is often a repair. A long crack, an edge crack or a break in front of the driver usually means a new windshield. The answer changes whether a claim is worth it.
- 2
Report the claim
Call your insurer, use its app or website, or ask Impex to help. Say it is glass damage under comprehensive, give the date and how it happened, and say you want Impex Auto Glass to do the work.
- 3
Impex checks the glass and books the visit
Impex orders the glass by your VIN, so the part matches the car, and agrees a time and a place: your home, your office or the deck where you park.
- 4
The work, the camera, the bill
The technician replaces the glass and, when your car needs it, calibrates the forward camera on site. You pay your deductible unless your policy says otherwise; the rest goes to your insurer.
The claims guide
How an auto glass insurance claim works in North Carolina
An auto glass insurance claim in Raleigh is simpler than most car claims, because nobody has to decide who was at fault. A stone thrown up on I-40, a branch that came down on the windshield in a storm, or a side window broken by someone after the laptop on the seat: in North Carolina, all of these normally fall under the same coverage, and the same few rules apply to every one of them.
Which part of your policy pays
The North Carolina Department of Insurance describes ‘Other Than Collision (Comprehensive)’ coverage as paying ‘the cost of repair or ACV of your automobile less any deductible.’ The losses it lists under comprehensive include ‘Missiles or falling objects’ and ‘Breakage of glass’. That is the plain answer to most windshield insurance claim questions: glass goes under comprehensive, and your comprehensive deductible applies unless your policy says otherwise. Our guide to whether comprehensive covers a windshield goes through the wording line by line.
Because the deductible applies, the size of the job matters. A small chip repair can cost less than many deductibles, and then paying directly is often simpler than a claim. A full windshield on a newer car, with a camera that has to be calibrated after it, is the kind of job where a claim usually earns its keep.
No zero-deductible law in North Carolina
Some states take the deductible off glass by law. Florida’s statute says the deductible ‘shall not be applicable to damage to the windshield’, and South Carolina’s says a deductible ‘does not apply to automobile safety glass’. North Carolina has no law like either. Impex says it plainly on its own pages: North Carolina doesn’t have a zero-deductible glass law. Some policies include full glass coverage, so it is worth checking yours. What that coverage is, and how to find it on your declarations page, is on our full glass coverage page.
Windshields advertised at no cost
A windshield is free to you only when your own policy pays the whole cost. The deductible is set by your policy, not by the glass company, and no shop can change it.
Your rights
You choose the glass company, and the payment is the same
North Carolina has a clear rule for this, and it is the one most drivers have never heard of. G.S. 58-3-180(a) says a policy covering damage to a motor vehicle ‘shall allow the claimant to select the repair service or source for the repair of the damage.’ Part (b) says the amount the insurer owes ‘shall be paid regardless of the repair service or source selected by the claimant.’
Part (b1) covers the phone call itself. If an insurer recommends a shop, it has to tell you that you are under no obligation to use it, that you may use the shop of your choice, that the payment is the same either way, and whether it has a financial interest in the shop it recommends. No insurer may require repair at a shop it owns. An insurer that breaks the rule can face a civil penalty of up to $2,000 per violation. The NC Department of Insurance sums it up in its own FAQ: an insurance company cannot require you to go to a particular repair shop.
So when the claim line suggests somewhere, you can simply say you want Impex Auto Glass. That works the same whichever company insures you. The insurer guides walk through it for the three names Raleigh drivers search most: Progressive windshield replacement, State Farm windshield replacement and GEICO windshield replacement. Impex is independent of all of them; it simply works with all major insurance providers.
Will a windshield claim count against you?
North Carolina’s Safe Driver Incentive Plan charges points ‘for convictions and at-fault accidents’, in the NCDOI’s words, and its FAQ adds that an insurer cannot charge points for an accident that was not your fault. A cracked windshield is neither, so a comprehensive glass claim adds no SDIP points. The same FAQ is honest about the other side: insurers may nonrenew comprehensive and collision coverage when you do not meet their underwriting rules, and many companies use the frequency of claims, at-fault and fault-free, when they decide. One glass claim is not a run of claims, but it is fair to weigh a cheap chip repair against that.
The work itself
Repair or replace, and why the camera matters to the claim
The claim follows the damage, so it helps to know what the technician will look for. Impex’s rule is that a repair may be possible when a chip or crack is small, shallow and away from the edges of the glass. The industry repair standard, ROLAGS, treats stone breaks up to two inches across and single line cracks up to 14 inches as repairable. Many shops work to tighter rules of thumb: damage smaller than a dollar bill, and chips smaller than a quarter. Those are rules of thumb, not law, and the call is made at the car.
- A crack that runs to the edge, where the windshield is bonded to the body, points to replacement.
- Damage right in front of the driver can leave a blemish even after a good repair.
- Damage in the area the camera behind the mirror looks through needs a careful look.
- Several chips, or a crack that keeps growing, usually means new glass.
On most newer cars a new windshield brings a second job with it. The forward camera behind the mirror runs lane departure warning, collision braking and adaptive cruise control, and I-CAR lists removing the windshield as an event that may require the camera to be aimed again. Impex performs ADAS calibration on site immediately after windshield replacement, with static and dynamic calibration in one visit, and says most calibrations take between 30 minutes and 2 hours. When you report the claim, ask your insurer whether the calibration is included with the glass, so the whole job is on one claim.
The timing is short. Impex puts a windshield replacement at about one hour plus a short curing period, and says most cars are back on the road within two hours. The Auto Glass Safety Council explains why the wait matters: the windshield is part of the car’s passenger restraint system, it helps the airbags work, and the time a car should stay parked after new glass depends on the adhesive and the weather. North Carolina’s annual safety inspection checks the wipers rather than the glass itself, but a crack in your line of sight is still a safety problem, and a claim is often the simplest way to get it put right.
Ask any glass shop these
- Is the glass ordered by my VIN?
- Will the forward camera be calibrated after the windshield?
- Is the quote all-in, with no fuel or disposal fees?
- Do you work with my insurer, and who bills it?
- Where will the work be done, and when can I drive?
Where we come
Inside the Beltline, where your car is parked
Impex Auto Glass is based in Greensboro with a second shop in Charlotte. In Raleigh the service is mobile: the technician brings the glass to the street, the driveway or the parking deck. The I-440 Beltline circles central Raleigh, and these are the neighborhoods inside it this site is written for.
- Downtown RaleighOffice decks and street parking in the state capital
- Five PointsDriveways and side streets
- OakwoodCurbside and driveway parking
- Glenwood SouthApartment decks and street parking
- Cameron VillageShopping lots and apartment parking
- Hillsborough StreetStreet and lot parking along the corridor
Questions
Windshield claim questions from Raleigh drivers
Does car insurance cover a cracked windshield in North Carolina?
Usually, under comprehensive coverage. The NC Department of Insurance lists breakage of glass among the losses comprehensive pays for, less any deductible. If your policy has no comprehensive coverage, ask your agent how glass damage is treated before you assume it is paid. See does comprehensive cover a windshield.
Do I call my insurer or Impex first?
Either works. Many drivers call Impex first, because Impex can look at the damage, tell you whether it is a repair or a replacement, and help you report the claim. If you call your insurer first, say you want Impex Auto Glass to do the work.
Can my insurance company make me use its glass shop?
No. Under G.S. 58-3-180 you choose the repair service, and the insurer pays the same amount whichever you pick. If it recommends a shop, it must tell you that you do not have to use it.
Will a windshield claim raise my insurance in NC?
A comprehensive glass claim is not an at-fault accident, so it adds no SDIP points. Insurers may still look at how often you file claims when they decide on renewals, so ask your agent if you have claimed recently.
Is a glass claim worth it for a small chip?
Compare the repair with your comprehensive deductible. If the repair costs less than the deductible, paying directly is usually simpler and leaves nothing on your claim history. If your policy has full glass coverage, the answer may be different.
Does the claim cover camera calibration after a new windshield?
Ask your insurer when you report the claim, so the calibration and the glass are handled together. Impex calibrates the forward camera on site after the windshield when the car needs it.
Where does the work happen in Raleigh?
Where your car is. Impex’s service in Raleigh is mobile, so the technician comes to your home, your office or your parking deck. Impex has no Raleigh storefront; its shops are in Greensboro and Charlotte. See the service areas.
Is RaleighAutoGlass.org the same as other companies called Raleigh Auto Glass?
No. RaleighAutoGlass.org is run by Impex Auto Glass and by no one else. It is not connected with any other business that uses Raleigh Auto Glass as its name. More on about Impex Auto Glass.
Is this site run by an insurance company?
No. Impex Auto Glass is an auto glass company, independent of every insurer. Insurer names appear on this site only to say whose claim a guide explains.
Glass broken in Raleigh? Start the claim here.
Call Impex Auto Glass or send the quote form. Tell us the car, the damage and your insurer, and Impex will help with the claim and come to you.