You should reach out to your insurer to verify your specific coverage. Like any claim, you should report the incident before you get any damages fixed. But usually, glass repair to your car falls under your comprehensive coverage, specified perils or all perils coverage of your policy. So, if your policy includes one of these types of coverage and the chip is smaller than the size of a loonie you should be able to get it repaired at one of our preferred vendors at no cost to you. If you get it repaired at a garage or shop of your choice, you just make a claim and will be reimbursed for the cost of the work done. Regardless of where you choose, there should be no need to pay your deductible. It’s also worth noting, a chipped windshield won’t affect your claims-free reward.
If it’s a larger crack and your windshield needs to be replaced, then your deductible will apply. Want to know more about deductibles? We’ve gone into detail about them so you can get a better understanding of what deductibles are and exactly how they work.
The moral of the story here is not to let a little pebble get in the way of your safety. Accidents happen, so it’s a good idea to fix your chipped or cracked windshield, move on and enjoy the unobstructed view of the road ahead.