Does car insurance cover windshield chip repair?

In many cases, yes. Here’s how it usually works and what to check on your own policy.

Glass damage is usually comprehensive coverage

A rock chip isn’t a collision. It’s typically handled under the comprehensive part of your policy, which also covers things like theft, hail and falling objects. If you only carry liability coverage, glass generally isn’t covered.

Why insurers often waive the deductible

A chip repair costs an insurer a small fraction of what a new windshield does. Paying for the repair now, often with no deductible, saves them from paying for a replacement later if the chip spreads. That’s why many policies cover repairs in full while replacements are subject to your deductible.

What to check on your policy

• Whether you have comprehensive coverage
• Your comprehensive deductible, and whether it applies to glass repair
• Whether your insurer has a dedicated glass claims line
• Whether you can choose your own repair technician

What to have ready

• Your insurance company and policy number
• Roughly when and where the damage happened
• Your vehicle’s year, make and model
• A photo of the chip

Policies vary, so confirm with your insurer before the work starts. A technician can usually help you check.