- Frequently Asked Questions
Every Question
Shop Owner
Actually Ask.
Straight answers. No hedging. If your question is not here, call us.
The Basics
Is there a catch?
No. AGA charges a flat service fee on your invoice for paying you in full, in 3–5 business days, and taking the insurer off your hands. You’re paid your full invoice first and then billed a flat fee. If the insurer underpays or disputes a valid claim, that’s our problem to absorb – your payment doesn’t change. Compare that to processing through a network, where you’re often paid less than your full invoice and charged a fee.
What exactly is AGA? Is it a TPA, a factoring company, or an insurer?
None of those. AGA operates on an Assignment of Claims (AOC) model. When your customer signs the AOC, AGA becomes the legal claimant on that job. We’re not processing the claim on your behalf, and we’re not advancing you money against it. We own the claim outright and pursue the insurer as the claimant. That ownership is what lets us pay you in full, fast, and take the dispute off your plate.
Is this legal?
It’s legal, and it’s a well-established legal instrument, not a loophole. An Assignment of Claims simply transfers the customer’s right to collect on their own claim to AGA, the same way assignments work in other industries. Nothing about the claim is inflated, and the customer’s deductible is always collected. AGA bills the insurer for the legitimate, NAGS-priced value of the work that was actually performed. If you have specific concerns, ask us, we’ll walk you through the process.
Is there an agreement to sign?
Yes – a very simple Assignment Facilitation Agreement to get started. It doesn’t lock you in to anything: there’s no volume commitment, no exclusivity, and you can terminate at any time. It sets the terms clearly up front – how AGA pays you, our flat service fee, and the basics like collecting the customer’s deductible. After that, you decide claim by claim whether to submit a job. Nothing obligates you to send us a claim or to use us at all.
Do I have to join a network or preferred provider list?
No. AGA isn’t a network. There’s no preferred provider list, no referral program, and no volume requirement. AGA doesn’t market shops to customers or give any shop preferential treatment over another. Use it on eligible jobs when it makes sense, and stop when it doesn’t.
Payment
How fast do you get paid?
3 to 5 business days from invoice submission, on eligible claims. AGA initiates payment after confirming eligibility, which in most cases happens the same day you submit the invoice.
Do you receive the full invoice amount?
Yes. You receive your full invoiced amount. If the insurer short-pays AGA, that’s AGA’s risk to absorb on a valid claim, not yours. Your payment isn’t adjusted based on what the insurer eventually pays. What you invoice is what you receive.
What if the insurer never pays AGA, or pays less than the invoice?
You’re still paid in full either way. Your payment from AGA doesn’t depend on the insurer paying us, or on how much they pay. When AGA accepts a valid, eligible claim, we take on the collection risk entirely. If the insurer underpays, disputes, or delays, that’s ours to handle, not yours.
How do you receive payment — check, ACH, or wire?
ACH direct deposit to your bank account. Payment arrives within 3 to 5 business days of invoice submission and eligibility confirmation. The AGA portal shows payment status, so you always know where things stand without having to ask anyone.
Who is AGA, and what happens if you go out of business?
You’re paid in full up front — before AGA collects anything from the insurer. That means your money never depends on AGA’s collections or anything downstream. Once payment hits your account, the job is closed on your end and there’s nothing left for you to be exposed to. If you want to know more about who we are before you start, just ask on your first call.
The Customer
What changes for the customer?
Almost nothing. The customer signs an Assignment of Claims form, which transfers their post-loss claim rights on this specific job to AGA. Their insurance policy, their coverage, and their relationship with their insurer are completely unchanged. From their side, the only difference is that they sign one additional form at the shop and then they’re done.
Will signing the AOC affect my customer’s premium or rates?
No. The AOC transfers the customer’s right to collect on this one claim, it doesn’t change their policy, their coverage, or their premium. A glass claim affects their rates exactly the way it would if they’d filed it themselves; AGA doesn’t change that in either direction. Their relationship with their insurer is unchanged, and so is their relationship with you.
What about the customer’s deductible?
The customer pays their deductible to the shop, as part of the AOC process, the same as any insurance job. The AOC covers the insurer’s portion of the claim only; the deductible is always collected from the customer. Nothing about how you handle deductibles changes.
How do I bring this up with my customer?
It’s one short conversation and one signature. Most shops simply explain that they work with a company that pays the shop directly and handles the insurance side, so the customer doesn’t have to wait on a reimbursement or deal with the claim themselves. Then the customer signs the AOC. It takes under a minute, and from the customer’s side it’s less work than filing the claim on their own. We’ll help you explain it simply when you start.
Will the insurer contact the customer about the assignment?
Sometimes, yes. A carrier may reach out to the customer to verify basic details — that the work was done, or to confirm something about their policy or the claim. If that happens, the customer should respond; it’s usually quick and straightforward. What they won’t have to do is negotiate, chase payment, or manage the claim — AGA handles all of that as the claimant.
What types of jobs qualify?
Full windshield replacements where the customer has comprehensive auto coverage, the job is priced at NAGS standard rates, and you operate in one of 44+ qualifying states. Chip repairs, crack repairs, and partial replacements aren’t currently eligible.
What if a job is submitted and comes back ineligible?
AGA will notify you the same day with the specific reason. No payment is initiated for ineligible submissions, and you keep the right to bill the insurer directly on that job, exactly as you would have without AGA. No penalty, no fee.
Does the shop need to do anything differently before the job?
The only addition to your standard workflow is having the customer sign the AOC form before or at the time of the job. Everything else: the replacement itself, the invoice, the parts, the process stays exactly the same. The AOC form is simple and takes under a minute to complete.
What if the insurer disputes the claim after I’m paid?
That’s AGA’s problem, not yours. Once you’re paid and the job is confirmed eligible, the insurer’s dispute is between them and AGA. We own the claim and handle all dispute resolution. You’re not contacted, not involved, and not at risk on a valid claim – your payment is already settled.
How does the shop get set up to start using AGA?
Talk to us. We’ll confirm your state eligibility, review your standard pricing against NAGS benchmarks, and set up your portal access. Onboarding takes one conversation and one business day.
The Job Ends
When You Submit It.
Everything after that is AGA's fight.
- Still Have Questions
Ask Us Directly.
If your question is not covered here, call us.There is no sales pitch attached to the conversation.
We will give you a straight answer and let you decide if AGA makes sense for your shop.
Try It on One Job.
No contract. No network. No commitment beyond that first claim.
If it works, use it again. If not, you have lost nothing.
Auto Glass Advocates
Payment Without the Wait
Independent auto glass shops paid in full within 3-5 business days on eligible insurance claims. No networks. No contracts. No catch.
Powered by AVATARe
Company
Shops
- Submit a Claim
- Eligibility
- FAQ
Legal
- Privacy Policy
- Terms of Service
- Assignment of Benefits
© 2026 Auto Glass Advocates. All rights reserved.
- Privacy
- Terms
- Legal