Can a Kentucky insurer require a specific auto glass shop?
For a Lexington driver’s first-party motor-vehicle glass claim, KRS 304.20-060 says the insured cannot be required to use a particular glass repair shop to receive claim payments or benefits. As reviewed August 1, 2026, an insurer may still explain coverage or maintain a network.
When the no-deductible rule applies
KRS 304.20-060 states that a policy providing comprehensive or other-than-collision coverage must provide complete coverage without a deductible or minimum amount when the claim is for motor vehicle glass only. That is conditional—not a promise that every loss or policy qualifies.
Shop choice
For a first-party glass claim, the statute says an insured cannot be required to use a particular motor vehicle glass repair shop to receive claim payments or other benefits. It also preserves an insurer’s ability to explain coverage and maintain a network.
What to confirm directly
Ask the insurer whether your policy includes the relevant coverage, whether the claim is classified as glass-only, what authorization and documentation are required, and whether any proposed scope creates out-of-pocket cost. Never share policy numbers through this demo site.
Primary sources
Read the current text of KRS 304.20-060 and the Kentucky Department of Insurance consumer materials. This site is not an insurer, agent, adjuster, attorney, or claims administrator and does not give personalized legal or insurance advice.
Common questions
Can a Kentucky insurer require a specific auto glass shop?
For a Lexington driver’s first-party motor-vehicle glass claim, KRS 304.20-060 says the insured cannot be required to use a particular glass repair shop to receive claim payments or benefits. As reviewed August 1, 2026, an insurer may still explain coverage or maintain a network.
Can an insurer require one glass shop?
KRS 304.20-060 says an insured making a first-party glass claim cannot be required to use a particular motor vehicle glass repair shop to receive claim payments or benefits. Confirm how this applies to your claim.