{
  "schemaVersion": 1,
  "generatedAt": "2026-09-04",
  "notes": "Carrier x state glass-claim surcharge lookup. Precedence: (1) state statutory surcharge shield (see stateSurchargeShield below) overrides the carrier tier when present, because state law binds every carrier writing in that state; (2) per-carrier byState[state] entry when the SERFF-cited row exists; (3) carrier default (national published guidance); (4) inline CARRIERS table in site/assets/app.js as offline fallback. A byState entry is a versioned array in reverse-chronological order: index 0 is current, later entries are prior versions preserved so historical verdicts stay auditable. sourceType values: 'state_statute_shield' (state law forbids the surcharge), 'carrier_guidance' (carrier's own published statement), 'serff_filing' (cited SERFF filing id), 'industry_typical' (assumption used only for the 'Other / not sure' selection). serffFilingId is null when no real filing has been located; that state entry then falls back to the national published-guidance tier until one is added.",
  "startingStates": ["FL", "AZ", "TX"],
  "stateSurchargeShield": {
    "CA": {
      "tier": "none",
      "note": "California's Proposition 103 bars insurers from using a not-at-fault comprehensive claim to raise your driving-record rate. This applies to every carrier writing in California; your specific carrier's national tier is overridden by state law here.",
      "sourceType": "state_statute_shield",
      "sourceCitation": "Cal. Ins. Code §1861.02 (per Prop 103)",
      "sourceUrl": "https://shouldiclaimit.com/windshield-insurance-laws/california/",
      "verifiedOn": "2026-08-17"
    },
    "MI": {
      "tier": "none",
      "note": "Michigan's rating statute excludes comprehensive claims from surcharge calculations by name, so a glass claim can't move your rate. Every carrier writing in Michigan is bound by this; your specific carrier's national tier is overridden.",
      "sourceType": "state_statute_shield",
      "sourceCitation": "MCL §500.2111",
      "sourceUrl": "https://shouldiclaimit.com/windshield-insurance-laws/michigan/",
      "verifiedOn": "2026-08-17"
    },
    "NC": {
      "tier": "none",
      "note": "North Carolina assigns zero Safe Driver Incentive Plan points for a comprehensive claim, so it can't drive a surcharge under the state's rate plan. Every carrier writing in NC is bound by this. Your claims-free discount can still be reset, which is a separate concern.",
      "sourceType": "state_statute_shield",
      "sourceCitation": "N.C.G.S. §58-36-75",
      "sourceUrl": "https://shouldiclaimit.com/windshield-insurance-laws/north-carolina/",
      "verifiedOn": "2026-08-17"
    },
    "PA": {
      "tier": "none",
      "note": "Pennsylvania regulation prohibits surcharging a comprehensive claim under the rate plan. Every carrier writing in PA is bound by this; the paid $0 'full glass' coverage some carriers sell is a separate add-on, not a state rule.",
      "sourceType": "state_statute_shield",
      "sourceCitation": "31 Pa. Code §67.33",
      "sourceUrl": "https://shouldiclaimit.com/windshield-insurance-laws/pennsylvania/",
      "verifiedOn": "2026-08-17"
    }
  },
  "carriers": {
    "USAA": {
      "default": {
        "tier": "none",
        "note": "USAA usually doesn't raise your rate for a first glass claim.",
        "sourceType": "carrier_guidance",
        "sourceCitation": "USAA published guidance (national)",
        "sourceUrl": null,
        "verifiedOn": "2026-08-01"
      },
      "byState": {
        "FL": [
          {
            "tier": "none",
            "note": "USAA usually doesn't raise your rate for a first glass claim.",
            "sourceType": "carrier_guidance",
            "sourceCitation": "USAA published national guidance. Florida-specific SERFF filing lookup pending.",
            "sourceUrl": null,
            "serffFilingId": null,
            "effectiveDate": null,
            "verifiedOn": "2026-09-03",
            "reviewOn": "2026-12-03"
          }
        ],
        "AZ": [
          {
            "tier": "none",
            "note": "USAA usually doesn't raise your rate for a first glass claim.",
            "sourceType": "carrier_guidance",
            "sourceCitation": "USAA published national guidance. Arizona-specific SERFF filing lookup pending.",
            "sourceUrl": null,
            "serffFilingId": null,
            "effectiveDate": null,
            "verifiedOn": "2026-09-03",
            "reviewOn": "2026-12-03"
          }
        ],
        "TX": [
          {
            "tier": "none",
            "note": "USAA usually doesn't raise your rate for a first glass claim.",
            "sourceType": "carrier_guidance",
            "sourceCitation": "USAA published national guidance. Texas-specific SERFF filing lookup pending.",
            "sourceUrl": null,
            "serffFilingId": null,
            "effectiveDate": null,
            "verifiedOn": "2026-09-03",
            "reviewOn": "2026-12-03"
          }
        ]
      }
    },
    "Farmers": {
      "default": {
        "tier": "none",
        "note": "Farmers usually doesn't raise your rate for a first glass claim.",
        "sourceType": "carrier_guidance",
        "sourceCitation": "Farmers published guidance (national)",
        "sourceUrl": null,
        "verifiedOn": "2026-08-01"
      },
      "byState": {
        "FL": [
          {
            "tier": "none",
            "note": "Farmers usually doesn't raise your rate for a first glass claim.",
            "sourceType": "carrier_guidance",
            "sourceCitation": "Farmers published national guidance. Florida-specific SERFF filing lookup pending.",
            "sourceUrl": null,
            "serffFilingId": null,
            "effectiveDate": null,
            "verifiedOn": "2026-09-03",
            "reviewOn": "2026-12-03"
          }
        ],
        "AZ": [
          {
            "tier": "none",
            "note": "Farmers usually doesn't raise your rate for a first glass claim.",
            "sourceType": "carrier_guidance",
            "sourceCitation": "Farmers published national guidance. Arizona-specific SERFF filing lookup pending.",
            "sourceUrl": null,
            "serffFilingId": null,
            "effectiveDate": null,
            "verifiedOn": "2026-09-03",
            "reviewOn": "2026-12-03"
          }
        ],
        "TX": [
          {
            "tier": "none",
            "note": "Farmers usually doesn't raise your rate for a first glass claim.",
            "sourceType": "carrier_guidance",
            "sourceCitation": "Farmers published national guidance. Texas-specific SERFF filing lookup pending.",
            "sourceUrl": null,
            "serffFilingId": null,
            "effectiveDate": null,
            "verifiedOn": "2026-09-03",
            "reviewOn": "2026-12-03"
          }
        ]
      }
    },
    "Progressive": {
      "default": {
        "tier": "low",
        "note": "Progressive says one comprehensive claim usually changes your bill by 0 to 5 percent at renewal.",
        "sourceType": "carrier_guidance",
        "sourceCitation": "Progressive published guidance (national)",
        "sourceUrl": null,
        "verifiedOn": "2026-08-01"
      },
      "byState": {
        "FL": [
          {
            "tier": "low",
            "note": "Progressive says one comprehensive claim usually changes your bill by 0 to 5 percent at renewal.",
            "sourceType": "carrier_guidance",
            "sourceCitation": "Progressive published national guidance. Florida-specific SERFF filing lookup pending.",
            "sourceUrl": null,
            "serffFilingId": null,
            "effectiveDate": null,
            "verifiedOn": "2026-09-03",
            "reviewOn": "2026-12-03"
          }
        ],
        "AZ": [
          {
            "tier": "low",
            "note": "Progressive says one comprehensive claim usually changes your bill by 0 to 5 percent at renewal.",
            "sourceType": "carrier_guidance",
            "sourceCitation": "Progressive published national guidance. Arizona-specific SERFF filing lookup pending.",
            "sourceUrl": null,
            "serffFilingId": null,
            "effectiveDate": null,
            "verifiedOn": "2026-09-03",
            "reviewOn": "2026-12-03"
          }
        ],
        "TX": [
          {
            "tier": "low",
            "note": "Progressive says one comprehensive claim usually changes your bill by 0 to 5 percent at renewal.",
            "sourceType": "carrier_guidance",
            "sourceCitation": "Progressive published national guidance. Texas-specific SERFF filing lookup pending.",
            "sourceUrl": null,
            "serffFilingId": null,
            "effectiveDate": null,
            "verifiedOn": "2026-09-03",
            "reviewOn": "2026-12-03"
          }
        ]
      }
    },
    "State Farm": {
      "default": {
        "tier": "low",
        "note": "State Farm says glass claims are less likely to raise your rate than an at-fault crash, but it varies.",
        "sourceType": "carrier_guidance",
        "sourceCitation": "State Farm published guidance (national)",
        "sourceUrl": null,
        "verifiedOn": "2026-08-01"
      },
      "byState": {
        "FL": [
          {
            "tier": "low",
            "note": "State Farm says glass claims are less likely to raise your rate than an at-fault crash, but it varies.",
            "sourceType": "carrier_guidance",
            "sourceCitation": "State Farm published national guidance. Florida-specific SERFF filing lookup pending.",
            "sourceUrl": null,
            "serffFilingId": null,
            "effectiveDate": null,
            "verifiedOn": "2026-09-03",
            "reviewOn": "2026-12-03"
          }
        ],
        "AZ": [
          {
            "tier": "low",
            "note": "State Farm says glass claims are less likely to raise your rate than an at-fault crash, but it varies.",
            "sourceType": "carrier_guidance",
            "sourceCitation": "State Farm published national guidance. Arizona-specific SERFF filing lookup pending.",
            "sourceUrl": null,
            "serffFilingId": null,
            "effectiveDate": null,
            "verifiedOn": "2026-09-03",
            "reviewOn": "2026-12-03"
          }
        ],
        "TX": [
          {
            "tier": "low",
            "note": "State Farm says glass claims are less likely to raise your rate than an at-fault crash, but it varies.",
            "sourceType": "carrier_guidance",
            "sourceCitation": "State Farm published national guidance. Texas-specific SERFF filing lookup pending.",
            "sourceUrl": null,
            "serffFilingId": null,
            "effectiveDate": null,
            "verifiedOn": "2026-09-03",
            "reviewOn": "2026-12-03"
          }
        ]
      }
    },
    "GEICO": {
      "default": {
        "tier": "varies",
        "note": "GEICO doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.",
        "sourceType": "industry_typical",
        "sourceCitation": "No public GEICO statement on glass-claim rate impact",
        "sourceUrl": null,
        "verifiedOn": "2026-08-01"
      },
      "byState": {
        "FL": [
          {
            "tier": "varies",
            "note": "GEICO doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.",
            "sourceType": "industry_typical",
            "sourceCitation": "No public carrier statement. Florida SERFF filing lookup pending; the filed rating rule is the authoritative source.",
            "sourceUrl": null,
            "serffFilingId": null,
            "effectiveDate": null,
            "verifiedOn": "2026-09-03",
            "reviewOn": "2026-12-03"
          }
        ],
        "AZ": [
          {
            "tier": "varies",
            "note": "GEICO doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.",
            "sourceType": "industry_typical",
            "sourceCitation": "No public carrier statement. Arizona SERFF filing lookup pending; the filed rating rule is the authoritative source.",
            "sourceUrl": null,
            "serffFilingId": null,
            "effectiveDate": null,
            "verifiedOn": "2026-09-03",
            "reviewOn": "2026-12-03"
          }
        ],
        "TX": [
          {
            "tier": "varies",
            "note": "GEICO doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.",
            "sourceType": "industry_typical",
            "sourceCitation": "No public carrier statement. Texas SERFF filing lookup pending; the filed rating rule is the authoritative source.",
            "sourceUrl": null,
            "serffFilingId": null,
            "effectiveDate": null,
            "verifiedOn": "2026-09-03",
            "reviewOn": "2026-12-03"
          }
        ]
      }
    },
    "Allstate": {
      "default": {
        "tier": "varies",
        "note": "Allstate doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.",
        "sourceType": "industry_typical",
        "sourceCitation": "No public Allstate statement on glass-claim rate impact",
        "sourceUrl": null,
        "verifiedOn": "2026-08-01"
      },
      "byState": {
        "FL": [
          {
            "tier": "varies",
            "note": "Allstate doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.",
            "sourceType": "industry_typical",
            "sourceCitation": "No public carrier statement. Florida SERFF filing lookup pending; the filed rating rule is the authoritative source.",
            "sourceUrl": null,
            "serffFilingId": null,
            "effectiveDate": null,
            "verifiedOn": "2026-09-03",
            "reviewOn": "2026-12-03"
          }
        ],
        "AZ": [
          {
            "tier": "varies",
            "note": "Allstate doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.",
            "sourceType": "industry_typical",
            "sourceCitation": "No public carrier statement. Arizona SERFF filing lookup pending; the filed rating rule is the authoritative source.",
            "sourceUrl": null,
            "serffFilingId": null,
            "effectiveDate": null,
            "verifiedOn": "2026-09-03",
            "reviewOn": "2026-12-03"
          }
        ],
        "TX": [
          {
            "tier": "varies",
            "note": "Allstate doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.",
            "sourceType": "industry_typical",
            "sourceCitation": "No public carrier statement. Texas SERFF filing lookup pending; the filed rating rule is the authoritative source.",
            "sourceUrl": null,
            "serffFilingId": null,
            "effectiveDate": null,
            "verifiedOn": "2026-09-03",
            "reviewOn": "2026-12-03"
          }
        ]
      }
    },
    "Liberty Mutual": {
      "default": {
        "tier": "varies",
        "note": "Liberty Mutual doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.",
        "sourceType": "industry_typical",
        "sourceCitation": "No public Liberty Mutual statement on glass-claim rate impact",
        "sourceUrl": null,
        "verifiedOn": "2026-08-01"
      },
      "byState": {
        "FL": [{"tier":"varies","note":"Liberty Mutual doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.","sourceType":"industry_typical","sourceCitation":"No public carrier statement. Florida SERFF filing lookup pending; the filed rating rule is the authoritative source.","sourceUrl":null,"serffFilingId":null,"effectiveDate":null,"verifiedOn":"2026-09-03","reviewOn":"2026-12-03"}],
        "AZ": [{"tier":"varies","note":"Liberty Mutual doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.","sourceType":"industry_typical","sourceCitation":"No public carrier statement. Arizona SERFF filing lookup pending; the filed rating rule is the authoritative source.","sourceUrl":null,"serffFilingId":null,"effectiveDate":null,"verifiedOn":"2026-09-03","reviewOn":"2026-12-03"}],
        "TX": [{"tier":"varies","note":"Liberty Mutual doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.","sourceType":"industry_typical","sourceCitation":"No public carrier statement. Texas SERFF filing lookup pending; the filed rating rule is the authoritative source.","sourceUrl":null,"serffFilingId":null,"effectiveDate":null,"verifiedOn":"2026-09-03","reviewOn":"2026-12-03"}]
      }
    },
    "Nationwide": {
      "default": {
        "tier": "varies",
        "note": "Nationwide doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.",
        "sourceType": "industry_typical",
        "sourceCitation": "No public Nationwide statement on glass-claim rate impact",
        "sourceUrl": null,
        "verifiedOn": "2026-08-01"
      },
      "byState": {
        "FL": [{"tier":"varies","note":"Nationwide doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.","sourceType":"industry_typical","sourceCitation":"No public carrier statement. Florida SERFF filing lookup pending; the filed rating rule is the authoritative source.","sourceUrl":null,"serffFilingId":null,"effectiveDate":null,"verifiedOn":"2026-09-03","reviewOn":"2026-12-03"}],
        "AZ": [{"tier":"varies","note":"Nationwide doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.","sourceType":"industry_typical","sourceCitation":"No public carrier statement. Arizona SERFF filing lookup pending; the filed rating rule is the authoritative source.","sourceUrl":null,"serffFilingId":null,"effectiveDate":null,"verifiedOn":"2026-09-03","reviewOn":"2026-12-03"}],
        "TX": [{"tier":"varies","note":"Nationwide doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.","sourceType":"industry_typical","sourceCitation":"No public carrier statement. Texas SERFF filing lookup pending; the filed rating rule is the authoritative source.","sourceUrl":null,"serffFilingId":null,"effectiveDate":null,"verifiedOn":"2026-09-03","reviewOn":"2026-12-03"}]
      }
    },
    "Travelers": {
      "default": {
        "tier": "varies",
        "note": "Travelers doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.",
        "sourceType": "industry_typical",
        "sourceCitation": "No public Travelers statement on glass-claim rate impact",
        "sourceUrl": null,
        "verifiedOn": "2026-08-01"
      },
      "byState": {
        "FL": [{"tier":"varies","note":"Travelers doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.","sourceType":"industry_typical","sourceCitation":"No public carrier statement. Florida SERFF filing lookup pending; the filed rating rule is the authoritative source.","sourceUrl":null,"serffFilingId":null,"effectiveDate":null,"verifiedOn":"2026-09-03","reviewOn":"2026-12-03"}],
        "AZ": [{"tier":"varies","note":"Travelers doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.","sourceType":"industry_typical","sourceCitation":"No public carrier statement. Arizona SERFF filing lookup pending; the filed rating rule is the authoritative source.","sourceUrl":null,"serffFilingId":null,"effectiveDate":null,"verifiedOn":"2026-09-03","reviewOn":"2026-12-03"}],
        "TX": [{"tier":"varies","note":"Travelers doesn't say publicly whether a glass claim raises your rate. It depends on your state and your policy.","sourceType":"industry_typical","sourceCitation":"No public carrier statement. Texas SERFF filing lookup pending; the filed rating rule is the authoritative source.","sourceUrl":null,"serffFilingId":null,"effectiveDate":null,"verifiedOn":"2026-09-03","reviewOn":"2026-12-03"}]
      }
    },
    "Other / not sure": {
      "default": {
        "tier": "varies",
        "note": "Without knowing your company, we assume a middle-of-the-road increase. Glass claims are usually treated gently, but how often you file matters.",
        "sourceType": "industry_typical",
        "sourceCitation": "Industry-typical assumption (sample data)",
        "sourceUrl": null,
        "verifiedOn": "2026-08-01"
      },
      "byState": {}
    }
  }
}