If the loss occurs on a public road, BAA is not responsible for the loss incurred. If the loss occurs on private property, BAA is only responsible for fifty percent of the loss incurred. How does BAA process glass claims? BAA requires one estimate for glass claims. The Board of Directors has established glass payment rates. Glass repair claims (chips, stars, etc.) are paid at 100% with no deductible. Glass replacement rates are as follows: Glass at 15% below NAGS list price; Urethane at $20.00 per kit; Labor at $100.00 flat rate. All glass replacement claims are subject to a $100.00 member responsibility or for heavy trucks $200.00. All glass claims in excess of these established rates are the responsibility of the policyholder.