Have you ever experienced windshield damage and called your insurance company, only to find yourself dealing with a “third-party administrator”? If so, you’re not alone—but you might not realize the hidden consequences of this common practice.
A few TPAs also own their auto glass replacement companies, meaning they may steer your business to their own company rather than to your trusted local auto glass shop.
Recently, one prominent TPA in the auto glass industry faced significant scrutiny due to fraudulent billing practices. A whistleblower lawsuit revealed that this TPA charged insurance companies for Original Equipment Manufacturer (OEM) mouldings and maintenance services, while actually providing less expensive replacements and skipping billed services like COVID-19 sanitation entirely. The settlement with the whistleblower reached an astonishing $31 million, highlighting the scale of potential misconduct.
As a consumer, why should this matter to you?
When TPAs inflate costs to insurance companies, your insurance premiums inevitably rise.
Your windshield is a critical component of your vehicle’s structural safety system, and proper installation is vital.
Here’s what you can do to protect yourself:
- Know Your Rights: Legally, you have the right to select any auto glass repair company. Don’t get steered to use the company suggested by your TPA.
- Choose Independent Providers: Independent auto glass businesses often provide superior customer service, higher-quality materials, and better accountability. They rely heavily on reputation and customer satisfaction.
- Clarify Costs and Components: Always ask about the materials and services included in your repair BEFORE services are started. Confirm that you’re receiving original equipment manufacturer (OEM) products if approved, which will be billed as such.
At Seminole Auto Glass, we proudly champion transparency, integrity, and customer-first practices. We’re local, accountable, and committed to your satisfaction and safety.
Next time you have windshield damage, exercise your right—choose local, choose transparency, and help keep your insurance costs fair.
Stay informed and safe on the road!
