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.
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.
See how GEICO claims work →
State Farm
Direct billing to State Farm. Claim Forgiveness applies.
See how State Farm claims work →
Allstate
Deductible Rewards credits accepted — up to $500 off your out-of-pocket.
See how Allstate claims work →
Progressive
Direct billing to Progressive. Name Your Price applies here too.
See how Progressive claims work →
USAA
Military member preferred. $0 glass deductible on most policies.
See how USAA claims work →
Nationwide
Full Glass Coverage endorsement can eliminate your deductible entirely.
See how Nationwide claims work →
Liberty Mutual
Full Glass Coverage accepted. Direct billing to every carrier.
See how Liberty Mutual claims work →
Farmers
Full Glass Coverage endorsed. 100 years of coverage — modern service.
See how Farmers claims work →⚖️ 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