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Do rock chip claims impact my auto insurance rates?

We’ve all seen the tents in parking lots claiming, “Free rock chip repair!” But, there is a hidden cost somewhere. The people at these tents often inject epoxy into the chip in the hopes that it doesn’t run and turn into a non-repairable crack. They will likely ask for your policy number and turn in an insurance claim so they can get paid by your insurance company.

Depending on your insurance company, this may upset a delicate balance of claims loss. Most insurance companies use rating factors in their algorithms, such as age, zip code and 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, your insurance rate depends, in part, on how many claims you have over a certain period of time. For instance, if you file a theft claim, and then have a rock chip claim the next week, your policy may be flagged for filing too many insurance claims in a short period of time, leading to a rate increase.

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

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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