Claims involving only the breakage of vehicle glass, without corresponding collision damage, have long been considered a nuisance in claim operations for many major insurance carriers. Because auto glass-only claims represent a small fraction of total auto severity, carriers tend to believe that they can easily outsource these claims in order to focus on the higher dollar cases, such as total loss and auto/medical claims. Claim managers tolerate the relatively high ratio between the loss adjustment expenses (LAE) and the severity of these claims because the overall costs appear to coincide with the amount that can be reasonably expected.

As a result of accepting these terms without thoroughly examining the glass repair process itself, many claim professionals possess a limited understanding of how far the effects of these decisions reach when establishing a glass program. The result is that insurance organizations are often unable to find new efficiencies and thus improve the overall performance of glass claim operations.

Want to continue reading?
Become a Free
PropertyCasualty360 Digital Reader.


  • All news coverage, best practices, and in-depth analysis.
  • Educational webcasts, resources from industry leaders, and informative newsletters.
  • Other award-winning websites including and

Already have an account?

Dig Deeper



Join PropertyCasualty360

Don’t miss crucial news and insights you need to make informed decisions for your P&C insurance business. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including, and
  • Exclusive discounts on PropertyCasualty360, National Underwriter, Claims and ALM events

Already have an account? Sign In Now
Join PropertyCasualty360

Copyright © 2022 ALM Global, LLC. All Rights Reserved.