Glass Claims Guide
PEMCO Windshield Replacement & Auto Glass Claims
Auto Glass Guys works with customers using PEMCO auto insurance for windshield repair, windshield replacement, and other auto glass services. As a Northwest-rooted carrier headquartered in Seattle, PEMCO covers many drivers right in our Pierce and Snohomish service area. Coverage, deductibles, and claim approval depend on your individual PEMCO policy.
Coverage, deductibles, and claim approval are determined by your PEMCO policy — Auto Glass Guys is not affiliated with or endorsed by PEMCO.
Quick answers
PEMCO Glass Claims: Quick Answers
- Does PEMCO cover windshield damage?
- Windshield and auto glass damage on a PEMCO policy is typically handled under comprehensive coverage when that coverage is active. What you would pay depends on your individual policy, its deductibles, and claim approval by PEMCO.
- How do I start a PEMCO glass claim?
- PEMCO glass claims are typically started through the claims page on pemco.com, the PEMCO mobile app, or by phone. The claims team confirms what your policy covers and what deductible applies to your situation.
- Will I have to pay my deductible?
- It depends on your policy. If a deductible applies to glass claims, you typically pay it on an approved claim; policy terms differ, so ask PEMCO what applies to yours. We confirm your exact costs before scheduling.
- Can Auto Glass Guys come to me?
- Yes — mobile service is our standard. We repair and replace glass at your home or workplace across our verified Pierce and Snohomish service area.
- Will ADAS recalibration be needed?
- If your vehicle has a windshield-mounted driver-assistance camera, recalibration may be required after a windshield replacement. Whether it is covered depends on your PEMCO policy and claim — mention your vehicle’s safety features when you file.
The process
Filing a glass claim with PEMCO
Review your PEMCO coverage or start the claim
Check your policy details, then start a glass claim through the PEMCO claims page, the mobile app, or by phone — whichever is easiest for you.
Provide your vehicle and damage information
Share your vehicle details and describe the damage — which piece of glass, where the damage sits, and roughly how big it is.
Confirm your deductible and glass coverage
Ask the PEMCO claims representative what deductible applies to glass on your policy and how your claim will be handled.
If permitted within your claim process, request Auto Glass Guys as your preferred service provider
When the claim process allows you to choose a shop, ask for Auto Glass Guys by name — PEMCO confirms the available repair options during the claim.
Schedule mobile service with Auto Glass Guys
Pick a time and place that work for you. We come to your home or workplace across our verified service area and confirm costs before booking.
Ready to move forward?
Start the glass claim with PEMCO, or schedule Auto Glass Guys mobile service — we confirm your costs before anything is booked.
Deductibles
How Does a PEMCO Windshield Deductible Work?
Glass damage on a PEMCO policy is typically handled under comprehensive coverage, which carries a deductible you selected when you bought the policy — the amount you pay out of pocket before coverage pays. Whether a glass-specific deductible or different glass terms apply to your policy depends on your individual coverage selections, so confirm the details with PEMCO before you decide how to proceed.
As a regional carrier, PEMCO writes policies tailored to Northwest drivers, but the claim math works the same as anywhere else: two customers with identical damage can owe very different amounts depending on their deductibles and coverage. Confirming yours takes minutes and prevents surprises.
One practical note: if the cash repair price is below your deductible, filing a claim may provide little or no direct insurance payment — you would cover the cost yourself either way. Our quote shows the cash price so you can compare before deciding whether the claim is worth filing.
Decision helper
Insurance or Cash: Which Path Fits?
Answer three quick questions and we'll point you toward the right next step — a cash quote, a claim, or both. No email, phone, or account needed.
This tool provides general guidance only. Insurance coverage, deductibles, claim eligibility, and payment are determined by your insurance policy and carrier.
Repair vs replacement
Windshield Repair vs. Replacement
When you describe the damage to PEMCO, the claim usually hinges on one distinction: is it a chip that can be repaired, or a crack that calls for a full replacement? Chips roughly the size of a quarter or smaller may sometimes be repairable — that preserves the factory seal, usually costs less, and is often the fastest claim to approve. Long cracks, edge damage, or anything blocking the driver’s view typically point to replacement instead.
The final call should come from an inspection, not a phone description: location, depth, and the number of impact points all matter. We look at your damage and tell you honestly which path applies before anything is scheduled.
ADAS recalibration
PEMCO Claims and ADAS Windshield Recalibration
Many newer vehicles have a camera mounted behind the windshield that feeds driver-assistance systems like lane-keeping assist and automatic emergency braking. When the windshield is replaced on those vehicles, the camera may require an ADAS recalibration so those systems see the road correctly.
Whether recalibration is covered depends on your PEMCO policy and the details of your claim — mention your vehicle’s safety features when you file so the requirement is part of the claim. Auto Glass Guys performs ADAS recalibration in-house as part of our windshield replacement service.
Your choice of shop
Can I Choose Auto Glass Guys for My PEMCO Claim?
Insurance procedures and policy requirements vary. When filing a glass claim with PEMCO, customers can ask whether Auto Glass Guys may be selected as their preferred repair provider — confirm the available repair options directly with the PEMCO claims team during the process.
If PEMCO confirms we can service your claim, we handle the glass work and coordinate the details with the claim. If your situation is better handled another way — for example, when the cash price is below your deductible — we’ll tell you honestly.
Common questions
PEMCO glass claim FAQs
Related services
Related services
Vehicle glass guide
Find glass info for your vehicle
Select your make and model to see the glass positions we service, ADAS recalibration notes, and typical pricing for your exact vehicle — then get a quote in minutes.
02 · Service Areas
One mobile team across the Pacific Northwest
We dispatch mobile auto-glass service across the greater Seattle area and Pacific Northwest — including Tacoma and Everett. Coverage is verified city by city, so we never publish a location we don't actually serve.
Pierce County
Verified service area
Mobile auto-glass service across Pierce County — from Tacoma, Puyallup, and Lakewood to Gig Harbor, Sumner, and the Key Peninsula communities. Windshield replacement, chip repair, door and back glass, and ADAS calibration, done at your home or workplace.
Snohomish County
Verified service area
Mobile auto-glass service across Snohomish County — from Everett, Lynnwood, and Marysville to Edmonds, Monroe, and the Sky Valley communities. Windshield replacement, chip repair, door and back glass, and ADAS calibration, done at your home or workplace.
Thurston County
Verified service area
Mobile auto-glass service across Thurston County — from Olympia, Lacey, and Tumwater to Yelm, Tenino, and the South Sound communities. Windshield replacement, chip repair, door and back glass, and ADAS calibration, done at your home or workplace.
King County
Verified service area
Mobile auto-glass service across King County — from Seattle and the Eastside to the Green River Valley and Plateau communities. Windshield replacement, chip repair, door and back glass, and ADAS calibration, done at your home or workplace.
Before you file
What You’ll Need for Your Glass Claim
Have these details on hand to make your PEMCO glass claim quick — whether you file online, in the app, or by phone. When asked for your preferred shop, give them Auto Glass Guys and you’re done — we handle the rest.
- Insurance policy number
- Vehicle year
- Vehicle make
- Vehicle model
- VIN if available
- Date the damage occurred
- Description of the damage
- Photos if requested by your carrier
Auto Glass Guys Information
Copy these details so you have them handy during your claim.
- Business name:
- Auto Glass Guys
- Phone:
- (253) 544-4268
- Website:
- https://autoglass-guys.com/
- Puyallup shop:
- 2500 S Meridian, Puyallup, WA 98373
- Lake Stevens shop:
- 9605 6th St SE, Lake Stevens, WA 98258
Ready to Get Your Glass Fixed?
Get a transparent quote, schedule mobile service at a time that works for you, or start the PEMCO glass claim first — whichever fits your situation.