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Does auto insurance cover rock chips?

A rock chip happens when a small rock or object nicks your windshield and causes a small chip in the glass. Your comprehensive coverage should cover this type of damage. Since rock chips can spread into larger cracks, it’s best to get them fixed as soon as possible to avoid further damage to your glass or windshield.

Step 2: Schedule the repair

ERIE customers always have a choice when it comes to deciding who they want to repair the damage. You can pick the glass repair shop or work with ERIE’s partner Safelite® Solutions.

Safelite® Solutions will process the paperwork and even schedule an appointment with a local glass shop. You can choose between in-shop or mobile options. What makes the mobile option so convenient is that you can arrange to have the repair done in your driveway, at your workplace parking lot or another location.

A windshield repair takes about 30 minutes or less, and the vehicle is safe to drive immediately. With a windshield replacement, the timing can vary depending on weather conditions and the type of materials used. Your technician will let you know the safe time to start driving again.

What should I do if my insurance doesn’t cover glass damage?

If your car insurance doesn’t cover windshield replacement or glass damage, you should still get the repairs done. Many states have laws against driving with a cracked windshield. Plus, you’re putting yourself and your passengers at greater risk. Not only is it harder to see out of a cracked windshield, but it’s also more likely to shatter if something else hits it.

Can glass damage be repaired?

If you have a chip or crack on your windshield that is smaller than a dollar bill, it could be repairable. Benefits of repairing your windshield include:

  • If you have the appropriate coverage, GEICO will waive your deductible when you have your glass repaired
  • The repair process only takes about 30 minutes
  • Repairing your windshield leaves the original factory-installed seal in place
  • Windshield repair leaves only a slight blemish that will become less noticeable over time

This material is intended for general information only. It does not expand coverage beyond the policy contract. Please refer to your policy contract for any specific information or questions on applicability of coverage.

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