Yes, in most cases. If you have comprehensive coverage on your auto policy, windshield chip repair is typically covered with no deductible, meaning $0 out of pocket for you. Utah drivers file these claims all the time, and we handle the paperwork for you.
Here is how it works and what to check on your own policy.
Why insurers pay for repairs at $0
From the insurance company's perspective, a $65 repair today beats a $500 replacement claim next month. Most comprehensive policies therefore waive the deductible specifically for glass repair. Note the distinction: repair is usually free, while replacement usually makes you pay your comprehensive deductible first.
Will a glass claim raise my rates?
In most cases, no. Rock chip damage is considered a no-fault comprehensive claim, similar to hail or a fallen branch. Insurers generally do not count a single glass repair claim against you when setting your premium. If you are unsure, a quick call to your agent can confirm how your specific carrier treats glass claims.
What if I only have liability coverage?
Liability-only policies do not cover your own glass, so the repair would be self-pay. The good news is that self-pay chip repair is affordable: $65 for the first chip and $35 for each additional one with us.
How the claim works with us
You give us your insurance information, we verify the coverage and file the claim on your behalf, and we bill the insurer directly. Most customers never talk to their insurance company at all. The whole process adds only a few minutes to the appointment.
Common questions
Which insurers cover chip repair at no cost?
Most major carriers with comprehensive coverage do, including State Farm, GEICO, Progressive, Allstate, and USAA. The exact terms depend on your policy.
Do I have to file the claim myself?
No. We file it for you and bill the insurance company directly.
Is the repair free if I have a high deductible?
Usually yes, because most comprehensive policies waive the deductible specifically for chip repair, unlike replacement.
Have a chip right now?
We come to you across the Wasatch Front, often the same day. $65 for the first chip, $35 each additional, or $0 with most insurance.