Contact: (217) 355 9075 - Address: 702 Bloomington Road. Suite 205. Champaign, IL 61822 - Email: dave@insuringchampaign.com

Does My Car Insurance Cover a Cracked or Chipped Windshield?

Don't let a small chip or crack turn into a bigger problem.

The first response when most drivers get a chip or crack in their windshield is get upset about, but then ignore it. The problem with those small chips and crack is that they won't stay that way for long. If you leave the damage alone over time it will increase in size and may eventually become dangerous.

Does My Car Insurance Cover the Crack?

If you have comprehensive coverage then your glass claim should be covered (minus your deductible). However if you still just have a chip or small crack (smaller than a dollar bill), a glass shop may be able to repair the damage and keep the crack from spreading. Most insurance companies will provide this service at no charge if the window can be repaired. Now if you have let the crack spread larger than a dollar bill you will most likely need to have the window replaced, and that is where your deductible will come into play.

The good news.

If you do need to file a claim to replace your window on your car it will be listed as a comprehensive claim. A comprehensive (comp) claim should not have a negative impact on your rate at your next renewal.

What if I don't have comprehensive coverage?

If you don't have comp coverage on your car the repair cost will be entirely up to you. Some glass companies will offer a reduced rate for windows for drivers without comp coverage. You can either call around and find the best deal or ask your agent if they know of a company that will offer a reduced price.

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Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois. Insurance shopping is easy when the Protection Team provides you with multiple quotes to choose from. You will always know you are getting the best coverage at the lowest possible price.

Contact Info

Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois.

702 Bloomington Rd#205
    Champaign, Illnois
(217) 355-9075
dave@insuringchampaign.com

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