Understanding Insurance Steering and Your Right to Choose Auto Glass Services

When it comes to repairing or replacing your auto glass, it’s essential to understand that you have the right to choose the service provider that best suits your needs. Many drivers assume their insurance company dictates where they must get their repairs done, but that isn’t the case. Knowing your rights can save you money, ensure quality workmanship, and give you peace of mind.

Understanding Your Rights

Auto insurance policies typically include coverage for windshield repairs and replacements. However, the process of selecting a repair shop often leads to confusion. Insurance companies may suggest preferred vendors or steer customers toward certain providers, sometimes even influencing where you get your repairs. While some agreements may include incentives for using specific shops, you’re not obligated to accept these recommendations. You have the right to choose your repair shop, provided that the provider is reputable and qualified.

Avoid Insurance “Steering”

Recently, in North Carolina, the Insurance Commissioner issued a warning to consumers about “insurer steering,” a practice where insurers pressure or influence policyholders to use certain vendors. This can limit your options and potentially impact the quality of service you receive. Steering may also come with financial incentives or discounts for using preferred shops, but it’s vital to prioritize quality and transparency.

Insurance steering can sometimes lead to costs that aren’t fully disclosed upfront or result in repairs that don’t meet your standards. As a consumer, you should ask questions, understand your coverage, and insist on choosing your repair shop.

The Importance of Quality and Certification

Choosing a reputable auto glass service is crucial. Look for providers who employ certified technicians, use quality materials, and follow industry standards. Many certified shops are affiliated with organizations like the National Glass Association (NGA) or the Auto Glass Safety Council (AGSC), which enforce strict quality and safety guidelines.

Quality workmanship ensures your vehicle’s structural integrity and safety, especially since windshields play a vital role in your vehicle’s safety features, like airbags and rollover protection. Moreover, a reputable shop will typically offer warranties on their work and use original or high-quality aftermarket parts.

How to Make Your Choice

• Research and Reputation: Check online reviews, particularly Google reviews. Ask family and friends for recommendations, and verify credentials.
• Insurance Compatibility: Confirm with your insurer that the shop you select is in their network.
• Get Multiple Quotes: Don’t settle for the first estimate. Comparing prices and services can help you make an informed decision.
• Certification and Guarantees: Make sure the shop employs certified technicians and offers warranties.

The Insurance Claims Process

When filing an insurance claim for auto glass work, inform your insurer that you want to select your repair shop. If they attempt to steer you toward their preferred vendors, politely remind them of your right to choose. Keep copies of all correspondence, and review your policy documents carefully so you understand any limitations or requirements.

Some insurers might process claims directly with preferred vendors, but as a policyholder, you still retain the right to choose where your vehicle is repaired. If you encounter resistance or concerns about unfair practices, consider reaching out to your state’s insurance department.

Empowering Yourself

Ultimately, your vehicle repairs should align with your preferences — not just insurance policies or incentives. Standard practices and regulations are in place to protect consumers from unfair steering and subpar service. Remember, you have the right to choose who works on your vehicle to ensure quality repairs, transparency, and trust.

Do Your Homework

Before committing to any auto glass service, do your due diligence. Verify credentials, understand your coverage, and advocate for your rights. Doing so ensures your vehicle is repaired safely and correctly, maintaining your safety on the road.



Your auto glass is an integral part of your vehicle’s safety system. You have the right to select the repair shop that will best serve your needs. Be informed, ask questions, and don’t succumb to pressure or steering tactics from insurers.

Is Your Auto Glass Damaged in Huntersville, Hickory, or Concord, NC?

If you live, work, or are visiting Hickory, Huntersville, or the Concord, NC area and you’ve discovered some auto glass damage, contact us at Auto Glass Experts. We offer both mobile and in-shop auto glass repair and replacement services. We provide lifetime warranties and are a trusted service provider in the Charlotte, NC, area.