Do rock chip claims impact my auto insurance rates?

By Higginbotham on June 26 , 2019

GettyImages-rock chip

We’ve all seen the tents in parking lots claiming, “Free rock chip repair!” But, there is a hidden cost somewhere. Some insurance companies will pay the people at the tent to inject an epoxy into the chip in hopes that it doesn’t run and turn into a non-repairable crack. After all, the insurance company clearly sees that $40 is better than the $250 to have the windshield replaced.

So the question is: Can a rock chip claim impact my insurance rates? Short answer is yes, it is possible.

Depending on your insurance company, you may upset a delicate balance of claims loss. Most insurance companies use rating factors into their algorithms, such as age, zip code and certainly previous losses. Some insurance companies claim that people who turn in multiple windshield glass repair claims have an overall higher loss rate and cost them more money in future claims. Furthermore, it depends on how many claims you have over a certain period of time. For instance, if you file a theft claim, then you have a rock chip claim the next week, this may flag your policy for filing too many insurance claims over a certain period of time, leading to a rate increase. This happens because when you stop at a rock chip repair tent, they will ask you for your policy number and turn in an insurance claim so they can get paid (if you have comprehensive insurance).

When you see a chip, you may be able to avoid a windshield glass repair claim if you act quickly. So know the answers to these questions so you’re prepared when it happens.

  • How do you stop a windshield crack from spreading? In some cases, you can use DIY methods to stop a windshield crack from spreading – like using a windshield repair kit at home, but it’s recommended that you take action as soon as possible. Driving with even a small crack in your windshield can be dangerous and distracting, and you could get a cracked windshield ticket.

  • Can you fix a cracked windshield with super glue? You can temporarily fix small windshield cracks with super glue – here’s step-by-step instructions on how to do it.

  • How much does it cost to replace a windshield without insurance? Typical windshield replacement costs range from $100 - $400, including the cost of labor. For collectible and luxury cars, the price tag can be a little heftier up to $1,500. Factors like your car’s make, year and model, type and location of the damage and the type and brand of glass help determine the cost of a windshield repair.

  • How long does it take to replace a windshield? Windshield repairs take 30 minutes or less while full windshield replacements often take 60 minutes or less.

Regardless of your situation, always discuss your options with your insurance agent to avoid possible rate increases. Contact our personal insurance department for guidance.

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Tags: Home & Auto


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