New York Passes AOB Ban and Claim-Number Requirement for Auto Glass Jobs

New York's Senate and Assembly passed auto glass services legislation on June 13, 2025, that, if signed by the governor, would require glass repair and replacement shops to obtain a customer's insurance claim number before agreeing to begin any insured repair or replacement work. The bill had cleared both chambers and was awaiting gubernatorial action.

The claim-number requirement was the operational linchpin of New York's AOB ban. Without a claim number, shops cannot submit a claim to the insurer; requiring the number at intake means the customer must contact their insurer—or the insurer's TPA—before the shop can commit to performing insured work. That process effectively eliminates the pathway by which some shops had been filing claims on behalf of customers who signed over their benefits without ever engaging the insurer themselves.

The practical consequence for New York shops is a more structured intake process. Shop staff must ask for the claim number at the first conversation, assist customers in obtaining one if they haven't already, and decline to proceed on insured work until the number is confirmed. Shops that previously operated on a more informal basis—accepting insured jobs without a confirmed claim number and sorting out the paperwork later—would need to change their workflow.

Because claim numbers are typically issued through TPAs such as Safelite Solutions, Lynx, or Mitchell, the New York requirement would increase shop interaction with TPA platforms—a change that had mixed reviews from independent operators, who frequently cited TPA administrative requirements as burdensome. The irony noted by some shop owners was that by banning AOB to protect consumers, the law simultaneously increased the leverage of TPAs in the claims process.

Recalibration disclosure was also part of the New York bill. Shops would be required to inform customers whether recalibration was needed and whether it would be covered by their policy—bringing New York's framework into alignment with Iowa's bill and the broader NCOIL model.

New York is a high-volume auto glass market, and legislation there carries national weight. The bill's passage signaled to glass shops across the country that AOB bans were no longer a southern-states phenomenon but were spreading to major northeastern markets with different regulatory and competitive dynamics.