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It’s that shocking moment when you’re driving and suddenly something small hits your windshield. Once you arrive at your destination, you check and find there’s a chip in your windshield. What do you do now?

When a windshield is chipped, there are two possible options: it can be repaired or replaced. Which one you choose depends on the size, location, and severity of the damage. Repairing the chip is the faster and less expensive option, but sometimes the damage requires the windshield to be replaced.

To find out if the windshield needs to be repaired or replaced, visit a glass repair shop to have it checked. It’s important to do this soon after you notice the chip. If the windshield only needs to be repaired, it should be done quickly in order to prevent the chip from spreading.

Depending on your Personal Auto insurance policy, you may have coverage for repairing or replacing your windshield. A deductible may apply. Check with your  Insurance Agent to learn more.

Courtesy of one of our insurance providers, Western National Insurance Group


Posted 11:00 AM

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Lindsey Smith said...
Thank you for your quick and informative article. I wasnt aware that auto insurance would cover the cost of a windshield replacement. Since repairing a chip is going to be less costly than replacing a windshield, obviously youd want to repair it first. But what if you look and you dont notice a chip in your windshield until its developed into a crack? Is the crack worth repairing or do you just get the windshield replaced?
TUESDAY, APRIL 03 2018 1:54 PM
Taylor Bishop said...
Thanks for explaining how to handle a chipped windshield. Its good to know that you should get it to a shop as soon as its noticed. You said this is a good way to prevent it from spreading, and I wonder if thats still the case for those that are near the edge of the windshield.
FRIDAY, JUNE 01 2018 12:47 PM
CRW Insurance said...
If you have a chip or small crack, the first thing to do is check with your insurance agent to confirm you have coverage for your windshield and if so, what your deductible is. This type of coverage would fall under your comprehensive (or other-than-collision coverage.) Also check to see if your insurance company will waive the deductible if the chip or crack can be repaired versus replaced.

There are few instances in which they will not do a repair, for example – if it’s within your vision or line of sight (area above your steering wheel), if it’s too close to the edge, or if the chip/crack is too large. If that happens to be the case, they will replace the windshield and you will be responsible for a deductible or… if you don’t have coverage, you would have to pay for the entire repair out-of-pocket.
TUESDAY, JUNE 05 2018 12:39 PM
Duncan Lance said...
I do like that you recommend visiting a professional auto glass repair company to find out whether or not your windshield will need to be repaired or replaced. After all, if the damage is minimal then you can probably get away with a cheap repair job. However, if the windshield is cracked very badly or even shattered then you should probably expect to talk to your insurance company about needing to replace it.
MONDAY, DECEMBER 10 2018 10:59 PM
Jocelyn McDonald said...
My windshield recently got a small crack in it after I was driving behind a truck transporting rocks, and now Im not sure what to do about this. Your article had some great tips for dealing with a cracked windshield, and I liked how you said to to take my car into an auto glass specialist, and if it needs repair, I should do it soon so the chips doesnt keep spreading. Thanks; Ill keep this in mind when dealing with the crack in my cars windshield.

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