Your windshield has been damaged by a stone or other flying object (not a collision):
Your car windshield is important to the structure of the car, and could protect you in an accident. If your windshield is damaged, you should take care of it right away. If you have comprehensive coverage, you may be able to recover some of the costs.
Fix It or Replace It?
Regardless of insurance, it’s never a bad idea to repair a minor chip before it spreads. Usually, if the chip is smaller than a quarter, it can be repaired. Any windshield repair shop will tell you if repair is an option.
Repair – Repairing a stone chip should only take 30 minutes, and should cost no more than $70. If you have comprehensive coverage, most insurers will pay the repair shop directly, with no deductible.
Replace – If your windshield has a large crack or worse, it is compromising your safety, and that of your passengers. It needs to be replaced right away. Depending on the type of car you drive, replacing your windshield can cost anywhere between $100 and $700, and usually takes less than an hour. If you have comprehensive coverage, you’ll need to decide if it’s worthwhile to make a claim. Depending on your deductible, it may make sense to absorb the cost yourself and avoid having a claim on your record.
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