Here at Absolute Insurance Brokers we are often asked about cracked windshields. Driving with a cracked windshield can be very dangerous and should be repaired or replaced right away. Even a small chip can turn into a bigger crack if it is left unrepaired. This can obstruct the drivers vision and is extremely dangerous to be operating a vehicle in this condition. The first thing to do is to determine whether the windshield can be repaired or if it needs to be replaced.
If it is just a small chip, auto glass specialists can often repair it. Repairs are done with a special resin that fills in the crack. Repairs of this nature are often cheap and some insurance companies will cover this cost (if you have full coverage of course) without counting it as a claim.
If the damage is more substantial and the windshield needs to be replaced your insurance will respond (again assuming you have full coverage) but it is not always the best option to make an insurance claim. If you have a $1000 comprehensive deductible chances are the cost to replace the windshield will be less than the price of the deductible. In this case there could not be a claim.
If the cost to replace the windshield is greater than your deductible it might make sense to make a claim. However if you make a claim your premium may increase on renewal or you might lose your claim forgiveness.
Some new cars have sensors in the windshields that can be very expensive to replace. This might be a scenario when it might make sense to make a windshield replacement claim.
The best thing to do when you notice a chip or crack in your windshield is to first go get a quote from an auto glass shop, and second call your insurance broker to go over your policy with you so you can make the best decision for your specific situation.
If you would like to go over your auto policy or would like a quote on a new auto policy give us a call at 877-941-2266 or email us!