[legion]

For the insurance company I used to work for, glass claims did not count against you in any way, shape, or form. They would not make your rates go up; they would not count as a claim for future ratings. Think about it, anyone can have a glass claim and it has nothing to do with your driving ability, habits, or likelyhood of having an accident. All it takes is driving down a road that a gravel truck was on 6 hours before and one vehicle kicking up a rock. Glass claims are usually completely random events.

I'm not saying all insurers treat glass claims this way, but this is my experience.