Are you tired of driving around with a chipped windshield, wondering if your insurance will cover the repair costs? It’s a common question among drivers, and one that can be confusing to navigate. But fear not! In this post, we’ll dive into the nitty-gritty of windshield chip repair coverage under various types of insurance policies. So sit back, relax, and let’s get to the bottom of this important topic!
What is a windshield chip repair?
Windshield chips are small pieces of glass that can break off and fall out of your windshield. If a chip is big enough, it can cause your windshield to become opaque or even completely broken.
When a chip becomes large enough, it will start to spread across the windshield. This can cause you to have trouble seeing out of your car, and could even lead to an accident. In most cases, insurance policies will not cover the cost of repairing a windshield if it has multiple chip repairs. However, there are some exceptions to this rule.
If you have had one repair in the past 12 months and the repair caused the glass to become less than 50% transparent then your policy may cover another chip repair. Additionally, if you have had three or more repairs within the last twelve months and at least one of those repairs was due to extreme weather conditions like hail or snowfall then your policy may also cover a windshield chip repair.
How does a windshield chip repair work?
Windshield chip repair is a relatively common service that can be performed by a mechanic or car dealership. In many cases, insurance companies will cover windshield chip repairs. This is because the repair is considered an “ordinary wear and tear” issue.
When a chip forms on a windshield, it can cause decreased visibility while driving. As with any other mechanical issue with your car, you should always bring your vehicle in for inspection if you notice a windshield chip. If the repair is required, your mechanic will usually replace the damaged area of the windshield with new glass.
Is insurance responsible for repairing a windshield chip?
windshield chips can often be fixed by a DIYer, but many drivers choose to have the repair done by a professional. In most cases, insurance companies will not cover the cost of repairing a windshield chip.
The reason for this is that glass breaks because of pressure and stress. When it breaks, it creates small pieces that can easily get caught in the windscreen wipers or in the hair on your head. This can cause serious injuries if you were to hit something while driving with a broken windshield.
Therefore, unless there are serious structural issues with the windscreen, insurers generally do not cover repairs related to small chips or cracks.
Conclusion
The answer to this question largely depends on the type of insurance that you have. Some policies may cover windshield chip repair, while others may not. If you do not know for sure whether your insurance covers windshield chip repair, it is always a good idea to ask your agent or insurer directly.
