Windshield Chipped
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Thread: Windshield Chipped

  1. #1
    Intermediate Soul mwebb's Avatar
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    Mar 2013
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    Greensboro, North Carolina
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    2014 Hyundai Elantra Limited

    Windshield Chipped

    While driving to school today, I passed an 18 wheeler which kicked a rock into my windshield. I got his plate number, but don't think that it will help, as it is not really his fault. The chip is pretty small on the right side of the windshield. My mom has me on her policy with State Farm, but I am worried to call and make a claim because I am a new driver and am worried that my rates may go up. I got a quote from Safelite, and it was $99 which I do not have. what should I do?

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  3. #2
    Premium Member Buzz's Avatar
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    Most insurance companies will make the chip repair without any out of pocket expense or rate increases. Just don't wait too long as my last chip happened while I was out of town and it turned into a huge crack that was caused by sitting out in the sun. So I had my windshield replaced and paid the $50 deductible.
    Avital Remote Start System, Billet Fuel Door, "WHOA!" Third Brake Light Decal by "Marc", "K" Emblems, Kia OEM Splash Guards, Konig Lace 16x7, LED Eyebrows, Magnaflow Exhaust, SSD Roof Rails, SSD Strut Tower Brace, Takeda CAI, VG Shark Fin Antenna V2, VisionPromotions Ground Cable Kit.



    PLEASE - MAKE IT EASIER FOR US TO ANSWER QUESTIONS BY FILLING OUT YOUR DRIVES AND LOCATION PROFILES.

  4. #3
    Intermediate Soul mwebb's Avatar
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    Quote Originally Posted by Buzz View Post
    Most insurance companies will make the chip repair without any out of pocket expense or rate increases. Just don't wait too long as my last chip happened while I was out of town and it turned into a huge crack that was caused by sitting out in the sun. So I had my windshield replaced and paid the $50 deductible.
    I'll call my isurance tonight then, and hope it can get fixed tomorrow.

  5. #4
    Junior Soul neiljrosen's Avatar
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    I had a windshield chip repaired and it grew into a crack any way. If I had it to do over again I would have left it alone. I think the repair process caused it to grow when the temperature got cold. Does anyone else have experience with the repair process?

  6. #5
    Senior Soul Soul Rush's Avatar
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    My State Farm policy has "glass" coverage. This type of "Claim" has no rate increase.
    This type coverage add's $9.00 to my annual policy, Best insurance add on you can do.
    This is a no deductable, no rate increase ( 1 yr between same claim, ie, front, side , rear, any glass ).
    In Fact, depending on who you use, certain glass companies will rebate you cash.
    1 1/2 yrs ago I got a New windshield & 150.00 back from AAA glass

    Just check with your policy or call your agent or your mom's agent & ask, they are nothing but helpful,
    They can help you figure out what might be best/cheapest way to go.

    I 2 have seen repaired chips crack later


    2010 Kia Soul Plus - Titanium (GOTRUSH)
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  7. #6
    Premium Member Buzz's Avatar
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    Our Ford truck has had to different chips repaired and that was over ten years ago....I think it depends on who does the chip repair. I've always have used Safelite and never had any problems!
    Avital Remote Start System, Billet Fuel Door, "WHOA!" Third Brake Light Decal by "Marc", "K" Emblems, Kia OEM Splash Guards, Konig Lace 16x7, LED Eyebrows, Magnaflow Exhaust, SSD Roof Rails, SSD Strut Tower Brace, Takeda CAI, VG Shark Fin Antenna V2, VisionPromotions Ground Cable Kit.



    PLEASE - MAKE IT EASIER FOR US TO ANSWER QUESTIONS BY FILLING OUT YOUR DRIVES AND LOCATION PROFILES.

  8. #7
    Intermediate Soul
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    Check with your insurance co, in SC there is no deductible on glass. So you hope it well crack and get bigger and then you get a free windshield. Be sure not to help it along, did I say that?

  9. #8
    Elder Soul TechnoMage's Avatar
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    It may not be universal, over the entire USA, but in many states, including Florida, broken glass is an automatic fix, with NO out of pocket expense. It's a Safety thing! Also, you can be ticketed for driving a car with a broken windshield, in many states.

    A few years ago, I got a chip, that was well on its way to becoming a huge spider web. I called my Insurance Agent and she gave me the phone number of who I should call. The guy came right out to my house and installed a new windshield in the shade of the Oak Tree in my front yard. He was here and gone in less than an hour. He wouldn't even accept a tip.

    Best service I ever had from an insurance company.

    2013 Base 1.6L White, 6-Speed AT, K&N Air Filter, Fresh Breeze Cabin Air Filter, HoMade Arm Rests, Kia Nose Guard

  10. #9
    Elder Soul dmwagner's Avatar
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    My windshield looks like a bi focal. I now have a second crack coming, suppose I will replace it next spring after the winter sand blast season is over.

  11. #10
    Senior Soul The Sradiator's Avatar
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    Sometimes the repair works and sometimes it does not.
    I've always had safelite do the repair and/or replacement work.
    Some have been great others times a bit sloppy.
    Our soul got a chip last year and I had safelite repair it within 2 days of the occurrence.
    A short time later I could see the chip was growing and now, a year later, it has gone from a chip to a crack so eventually I/they will be replacing the windshield.
    Depending on your policy, glass coverage may carry a zero or low deductible.
    As far as I know it will not cause your rates to increase.
    Insurance companies already have a dozen reasons to raise your rates so I doubt they need a glass incident to do so.

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