Rock chip repair, new windshields and car insurance deductibles
I got a rock chip in my windshield on the way home from work yesterday. Does my car insurance pay for rock chip repair or will I have to get a new windshield? And will I have to pay a deductible to get my windshield fixed?
Most car insurance companies offer rock chip repair as an alternative to replacing the entire windshield. Rock chip repair involves injection of a special resin into the damaged glass area using a tool that attaches directly to the windshield. The resin is then cured and polished to restore the clarity and strength of the glass.
Repairing a rock chip in this fashion often prevents the chip from cracking and spreading to surrounding areas. The repairs are not always completely transparent, but rock chip repair is very durable and proper repair prevents needless windshield replacements.
The location of the rock chip will also be a determining factor in whether your windshield can be repaired. In most cases of rock chip repair, car insurance companies will waive your comprehensive deductible and pay for the entire rock chip repair. Some companies do not offer this benefit, however, so if take this into consideration when shopping around your car insurance. If you have a high frequency of rock chip repairs, if you have to pay the $50-60 bill each time, this will add up compared to having your auto insurance company pick up the tab.
If the rock chip is severe enough and has compromised the safety of the glass layers of your windshied, there will be not choice but to replace the windshield. Claims for windshield replacement can be very convenient for the consumer depending on which glass company your car insurance company uses and your location. If you live in a location with mobile windshield replacement services, they can come to your home or work, remove your old windshield and install a new one in a matter of minutes. If you don't have this service available, you can probably use a local body shop or the closest glass repair facility.
Some car insurance companies offer the option of insuring your vehicle glass at no deductible, so even if your windshield needs replaced, you will not have to pay the deductible. This coverage can be rather pricey, but if you drive on gravel roads frequently or experience a high number of windshield claims, the coverage may be a good idea for you.
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