Consumer Q & A


Is driving with a cracked or broken windshield dangerous?

Yes, aside from visibility issues, your windshield provides up to 60% of the roof crush protection in a roll-over accident. The windshield is also a key element for proper airbag deployment because the bag actually used the windshield as a kind of back-board. You need to speak with your insurance agent to discuss your coverage.

What is all of this talk over "right to choose"?

In Minnesota consumers have the right to have their windshield replaced by the glass shop of their choosing. Insurance companies can not tell you where to go.

Is it legal to offer incentives and rebates with an autoglass replacement?

No, following the 2002 legislative session there is a ban on all inducements/incentives.

What are my rights?

Minnesota law allows you to choose where to have work done on your car.

  • If you call an 800 number provided by your insurer, the phone is answered by a Third Party Administrator (TPA).  Almost always, the TPA is actually a large out of state glass company.  These companies are not AGRSS registered or inspected and often will farm out the work to unqualified backyard mechanics. 
  •  In Minnesota, consumers have the specific right to have their windshield replaced by the glass shop of their choosing. Neither insurance companies nor their TPA can tell you where to go.  Minnesota Statute 72A.201 Subd. 6 (14) states:   “If the insurer recommends a vendor, the insurer must also provide the following advisory:

"Minnesota law gives you the right to go to any glass vendor you choose, and prohibits me from pressuring you to choose a particular vendor."

  • Windshield Bullies

The statute goes on to prohibit a common TPA practice - trying to bully you into using another shop.  Minnesota Statute 72A.201 Subd. 6 (15) & (16) define as an unfair claims practice limiting your choice of shop.  The law also specifically prohibits intimidation or any inducement to use another shop.

Is it legal to offer incentives and rebates with an auto glass replacement?

If an insurer pays, directly or indirectly for glass products or services, incentives, inducements or waiver of deductibles are prohibited. Minnesota Statute 325F.783

If you have a consumer question that you would like answered, please click on "Contact Us" and put 'consumer question' in the subject heading.

The information on our web site has been prepared by the Minnesota Glass Association (MGA) for informational purposes and is not legal advice. The MGA will not accept requests for legal advice. You should not rely on any information contained herein in evaluating any specific legal issues you may have without seeking professional counsel.

Your use of our web site and/or sending email to the MGA or to one of our Officers or Board Members does not create a lawyer-client relationship. The MGA will not consider or treat any unsolicited emails or information sent to us or to any of our Officers or Board Members by individuals seeking legal advice or other non-clients to be confidential. The MGA reserves the unconditional right to disclose or use any such unsolicited e-mails or information for any purpose.

Minnesota Glass Association
7674 Coneflower Curve North, Chanhassen, MN 55317   |   952-270-3645   |   Email: [email protected]

* We are a trade association; we DO NOT sell or repair glass. Please CLICK HERE for our member directory.