How Does Direct Insurance Billing Work?
When you have comprehensive auto glass coverage, your insurer pays us directly — you never chase reimbursement or pay upfront. We contact your insurance company, verify your coverage and deductible, handle the paperwork, and bill them directly. You pay only your deductible — if you have one at all. Virginia law protects your right to choose Legendary as your repair shop.
We work directly with every major insurance company — no exceptions.
Know Your Rights
Don't Let Your Insurance Company Steer You Wrong
Virginia law gives you the right to choose Legendary Auto Glass — even if your insurer recommends Safelite or another shop. Watch this short video to understand your rights, then file your claim with us. We bill your insurer directly at OEM rates.
Start My Claim →
Choose Your Insurance Carrier
Click your carrier to see how your claim works, VA coverage details, and answers to carrier-specific questions.
GEICO
Direct billing to GEICO — most customers pay $0 deductible.
State Farm
Direct billing to State Farm. Claim Forgiveness applies.
Progressive
Direct billing to Progressive. Name Your Price applies here too.
Farmers
Full Glass Coverage endorsed. 100 years of coverage — modern service.
USAA
Military member preferred. $0 glass deductible on most policies.
Liberty Mutual
Full Glass Coverage accepted. Direct billing to every carrier.
Nationwide
Full Glass Coverage endorsement can eliminate your deductible entirely.
Allstate
Direct billing to Allstate — your home, your choice of shop.
NJM Insurance Group
NJM direct billing — most customers pay $0 out of pocket on their auto glass claim.
AAA
AAA members — direct billing, $0 or reduced glass deductibles.
Amica
Amica direct billing. Top-rated carrier, straightforward claims.
Travelers
Full Glass Coverage accepted at Legendary. Direct billing to Travelers.
MetLife
MetLife direct billing. Comprehensive coverage — most customers pay $0.
American Family
Direct billing to American Family. Comprehensive glass coverage — most customers pay $0.
The Hartford
The Hartford direct billing — most customers pay $0 out of pocket.
The General Insurance
The General direct billing. Affordable coverage, straightforward claims.
⚖️ Your Right to Choose Your Shop — Virginia Law
Under Virginia Code § 38.2-517, your insurance company cannot require you to use a specific auto glass shop. Even if they recommend or "prefer" Safelite, you have the legal right to choose Legendary Auto Glass and Mirror. We bill your insurer directly at OEM rates — you get the same coverage, better service.
Don't see your carrier? We work with all insurance companies — Erie, Nationwide, Travelers, American Family, and more. If you have comprehensive coverage, we handle the claim.
Start your claim — we'll handle the rest →Legendary Auto Glass and Mirror
2010 Boulevard, Colonial Heights, VA 23834
(804) 518-5532 — Mon–Fri 10am–6:30pm, Sat 10am–6pm by appt