Content for insurance carriers
The choice between OEM (Original Equipment Manufacturer) and aftermarket auto glass is one of the most debated topics in glass claims. Carriers need a clear policy that balances cost, quality, and policyholder satisfaction. OEM glass is manufactured by the same company that supplied the original windshield. It matches the exact specifications, fit, and optical clarity…
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…
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…
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…
The insurance industry is experiencing a decisive shift in how auto glass claims are managed. In 2026, more carriers than ever are choosing to outsource their glass programs to specialized third-party administrators rather than handling them internally. This trend is not a passing fad — it reflects fundamental changes in the economics, technology, and complexity…
