If the real cost to fix a windshield is $300 but your shop advertises $800 to everyone along with an offer to 'pay the deductible' then it's not illegal. You ca

If the real cost to fix a windshield is $300 but your shop advertises $800 to everyone along with an offer to 'pay the deductible' then it's not illegal. You can claim your shop is more expensive because it offers better service or better parts or whatever. It would only be illegal to quote $300 for those who are uninsured but quote $800 for those who do have a deductible. It's still clearly a scam against the insurance companies, whether actual fraud charges would stick in court or not.