Windshield Repair & Insurance Claims in Colorado Springs
Chips and cracks are stressful enough. Deciding whether to file an insurance claim shouldn’t be. At Bob’s, we walk you through all three options so you can choose what works best for you.
Serving Colorado Springs, Monument, Briargate, Falcon, Northgate, Fountain, and most areas within 25 miles with fast, mobile windshield repair.
- Use your insurance, pay out of pocket, or pay first and get reimbursed — you choose.
- We work with all insurance companies and SafeliteSolutions® networks.
- Same high-quality repair and lifetime workmanship guarantee either way.
Not sure whether to file a claim? Book the repair, then tell us you’re “still deciding” — we’ll talk you through your options on the spot.
1. When Insurance Usually Covers Windshield Repair
Most drivers with comprehensive coverage are eligible for glass repair benefits. In many cases, your insurance company would rather pay to repair a chip than replace the entire windshield later.
Depending on your policy and insurer, they may:
- Cover rock chips and small cracks (often up to around 6 inches).
- Waive your deductible for repairs, so you pay $0 at the time of service.
- Encourage repair over replacement whenever the damage is safely repairable.
That’s where “free windshield repair” comes from — the insurer pays us directly for a covered repair. But coverage rules, limits, and deductible waivers can vary, so if you’re unsure, it’s always smart to double-check with your agent or carrier.
2. Three Ways to Pay for Your Windshield Repair
When you schedule with Bob’s, you have three different ways to handle payment and insurance. There is no “one right answer” — it depends on your priorities.
The simplest route. You schedule the repair, we come to you, and you pay our standard rate when the work is done. Insurance is never involved.
Good fit when:
- You have one or two small chips.
- Our repair price is well below your deductible.
- You’d prefer not to add a small claim to your record.
This is very popular with customers who value speed, simplicity, and keeping claim history as clean as possible.
If you want to use your coverage, we can help you open a claim and bill your insurance company directly at their approved repair rate.
How it works:
- We confirm the damage is repairable.
- We help you connect with your insurer or SafeliteSolutions® if needed.
- You typically pay $0 at the time of service for covered repairs.
Good fit when:
- You have multiple chips or covered cracks.
- Your policy waives your deductible for repairs.
- You’re comfortable with a glass claim on your record.
This option combines the speed of paying yourself with the benefit of having insurance ultimately cover the cost — without a long claims call.
How it works:
- You pay Bob’s for the repair at the time of service.
- We give you a clean, itemized invoice.
- You email or upload the invoice to your insurer.
- They reimburse you directly if the repair is covered.
Many customers tell us this is the least stressful option — no phone trees, no photo uploads, no waiting on hold. Just a quick upload and done.
Keep in mind: some insurers still treat reimbursements as claims. If avoiding any claim record is your top priority, Option A (pay out of pocket) is the safest choice.
3. How Glass Claims Are Tracked (CLUE Reports 101)
One thing many drivers don’t realize: glass-only claims still count as claims.
What that means for you:
- A single chip repair claim usually isn’t a big deal by itself.
- Insurance companies often say glass repairs don’t directly raise your rates.
- But your overall claim history — including glass — can be one factor they look at when pricing or renewing policies.
We’re not your insurance company, and we can’t predict how any specific claim will be treated. Your agent is always your best resource for how your carrier handles glass claims. Our job is simply to make sure you understand how the system works so you can make a choice you’re comfortable with.
4. Pros & Cons of Each Option
Here’s a side-by-side look at each route to help you decide what matters most: simplicity, claim history, or taking advantage of coverage.
Pay Out of Pocket Option A
Pros:
- No insurance involvement at all.
- No claims call, no paperwork, no waiting.
- No additional claim added to your record.
- Often less than many deductibles.
Things to consider:
- You pay the repair cost yourself.
- You’re choosing not to use a benefit you’re already paying for.
Insurance Pays Us Option B
Pros:
- $0 at the time of service for many covered repairs.
- Insurance pays us directly at their approved rate.
- Good for multiple chips or covered cracks.
Things to consider:
- The claim is added to your CLUE/claim history.
- Calls may be routed through SafeliteSolutions®.
- Some insurers require photos or extra documentation.
Pay & Get Reimbursed Option C
Pros:
- No long claims phone call.
- No third-party administrator steering you to a specific shop.
- Very fast — you just upload our invoice later.
- You still benefit from your coverage if the repair is eligible.
Things to consider:
- You pay upfront and wait for reimbursement.
- Some insurers still record reimbursements as claims.
5. What If My Insurance Routes Me to SafeliteSolutions®?
More than 200 insurance companies use SafeliteSolutions®, a division of Safelite AutoGlass®, to handle glass claims and payments.
That means when you call the number on your insurance card for a glass claim, you may actually be talking with Safelite’s claims center — even though they’re speaking “on behalf” of your insurance company.
Your rights in that conversation:
- You can choose any qualified windshield repair shop, not just Safelite.
- You can say, “I’d like to use Bob’s Windshield Repair in Colorado Springs.”
- Bob’s is already set up to bill through SafeliteSolutions® for covered repairs.
If anything in the call makes you uncertain or pressured, we’re glad to help you navigate it. Our goal is for you to feel confident in both the repair and the process.
6. How Bob’s Handles Insurance Repairs
Our philosophy is simple: educate first, no pressure, and support whichever option you choose.
Regardless of how you pay, you always get:
- The same high-quality repair process we’ve refined since 2003.
- The same fast, mobile service to your home, office, or gym.
- The same lifetime workmanship guarantee for as long as you own the vehicle.
If you use insurance (Option B):
- We confirm the damage is repairable.
- We help you open the claim and provide shop information.
- We complete the repair and bill your insurer at their approved rate.
- You typically pay $0 at the time of service for covered repairs.
If you pay & seek reimbursement (Option C):
- You pay our standard rate when the job is done.
- We give you a detailed invoice with all the information your insurer needs.
- You email or upload it to your insurance company.
- They reimburse you directly if the repair is covered.
If you pay out of pocket (Option A):
- No calls, no forms, no claims — just a repair appointment.
- Your insurance company is never involved.
- Many customers choose this to keep their claim history as clean as possible.
7. Windshield Repair & Insurance FAQs
Do you recommend using insurance for small chips?
Not by default. For many customers, our repair price is less than their deductible, and they prefer to keep minor chips off their claim history.
That said, if you’d rather use your coverage, we’ll help you do it and explain exactly what to expect.
Is the reimburse-later option really that easy?
In most cases, yes. We’ve had many customers choose to pay first and get reimbursed and describe it as painless:
- We provide a clean invoice.
- You upload or email it to your insurer.
- They send reimbursement directly when the repair is covered.
No long calls, no photo uploads, and no third-party steering — just a simple way to use your benefits.
Will a windshield chip repair claim raise my rates?
Windshield chip repairs are typically treated as comprehensive, no-fault claims, which usually don’t raise rates by themselves. However, they still go on your overall claim history.
Your insurer may consider your full claim history when pricing or renewing policies, so your agent is the best person to ask about how a particular claim might affect you.
Do I have to use Safelite, or can I choose Bob’s?
You can always choose your own shop. Even when SafeliteSolutions® answers the phone, you can say you’d like to use Bob’s Windshield Repair in Colorado Springs.
We’re already set up in their network and can bill them directly for covered repairs.
How do I schedule if I’m still not sure which option to use?
Easy — just schedule like normal and let us know you’re “still deciding.” We’ll look at the damage, go over pricing, and talk through Options A, B, and C with you in plain language.
You don’t have to decide anything until you understand your choices.
Ready to Fix That Chip or Crack?
Whether you pay out of pocket, use insurance, or pay and get reimbursed later, you get the same high-quality repair and lifetime workmanship guarantee