The National Auto Glass Specifications system is the pricing and parts identification standard that underpins virtually every auto glass insurance claim in the United States. Despite its central role, NAGS pricing is widely misunderstood by insurance professionals outside the glass specialty. This comprehensive breakdown covers how NAGS works, how pricing is structured, and how carriers…
Advanced Driver Assistance Systems (ADAS) have fundamentally changed auto glass claims. What was once a straightforward windshield replacement now often requires a complex — and expensive — recalibration process. Carriers who are not adapting their glass programs accordingly are leaving money on the table and increasing risk. ADAS features like lane departure warning, forward collision…
Insurance carriers spend significant effort designing glass programs around cost control, fraud prevention, and operational efficiency. But the policyholder does not see any of that. They see a cracked windshield and a phone number to call. What happens next determines whether their glass claim strengthens or weakens their relationship with their carrier. Most glass damage…
Not all glass TPAs are created equal. Carriers evaluating potential partners should look beyond the sales pitch and ask hard questions about capabilities, infrastructure, and alignment. Here is what matters most. Branded call center operations. Your policyholders should never know a TPA is involved. The TPA should answer your branded line with scripts that reflect…
Fraud prevention in glass claims requires more than good intentions — it requires a systematic program that combines technology, process design, data analytics, and human investigation. Carriers that take an ad hoc approach to fraud invariably pay more than those who build structured prevention programs. Here is how to build one that works. Before building…
Carriers evaluating a glass TPA partnership often start with the same question: will this save us money? The answer depends on how you measure cost — but in most cases, the math favors outsourcing. Direct labor costs are the most obvious factor. In-house glass programs require dedicated adjusters, call center staff, and supervisors. A TPA…
Understanding the full lifecycle of a glass claim helps carriers evaluate whether their current process is efficient — or whether a TPA could do it better. Here is how a well-run glass TPA handles a claim from first call to final payment. Step 1: First Notice of Loss. The policyholder calls a branded claims line….
Managing an auto glass program in-house can seem straightforward, but carriers frequently make costly mistakes that add up over time. Here are seven of the most common pitfalls we see. 1. Not verifying coverage before dispatch. When a shop is dispatched before active coverage is confirmed, carriers risk paying for claims that should have been…
The auto glass claims landscape is shifting. More insurance carriers are moving away from in-house glass programs and partnering with specialized third-party administrators (TPAs) to manage their glass claims end-to-end. But what exactly is a glass TPA, and why is this model gaining traction? A glass TPA is an independent company that administers auto glass…
The debate between OEM and aftermarket auto glass is one of the most consequential decisions in glass program design. The choice affects claim costs, policyholder satisfaction, ADAS compatibility, and potential liability exposure. This guide helps carriers make informed decisions about glass sourcing policy. OEM glass is manufactured by the same company that supplied the original…
