Rock chips are common in areas with a lot of gravel roads or ongoing construction projects. Such damages can occur not only when your car is parked, but also while you are driving. At first, a rock chip may seem small, but it can grow into a large crack if you do not repair it quickly.
Many people do not know that their auto insurance may cover rock chip repair. Due to a lack of awareness, they keep procrastinating repairs, which leads to windshield replacement. But it is very easy to determine whether your auto insurance covers rock chip repair. For more information regarding the same, read this blog till the end.
Check Your Insurance Policy
The first step is to look at your auto insurance policy. Your policy is a paper or online document that shows what your insurance covers. Once you have access to your insurance policy, start looking for words like “glass coverage” or “comprehensive coverage.” By knowing your coverage, you can avoid paying for repairs yourself. If you are not sure about your insurance coverage, just write down your questions and call the insurance company’s customer service.
Contact Your Insurance Company
After checking your policy, call or email your insurance company. Then, ask if rock chip repair is covered. You should also find out if you need to pay a deductible (the money you pay before insurance helps). Also, ask about any rules or steps you must follow to make an insurance claim. By talking to your insurance company early, you can save time and help fix the damage as soon as possible.
Find an Approved Repair Shop
If your insurance coverage includes rock chip repair, your next step is to find an approved auto glass repair shop. Your insurance company may have a list of approved auto glass repair shops. These shops know how to do repairs correctly. By using an approved shop, you may save money or make the repair free. If you are short on time, just call the shop first to ask about appointments and how long the repair will take.
File a Claim If Needed
If your insurance covers rock chip repair, you may need to file a claim to tell your insurance company that you want them to pay for the repair. You may need to fill out a form online or give information over the phone. Once your claim is approved, the insurance company will send you repair instructions. Just make sure you file a claim correctly to get your windshield fixed without problems.
Read Also - How to Make an ICBC Windshield Replacement Claim?
Tips to Prevent Rock Chips
Though we have mentioned all the information you need to determine if your insurance covers rock chip repairs, here are some simple tips to help you reduce the chance of rock chips:
- Keep a distance from other cars, especially trucks, on the road.
- Avoid driving fast on gravel roads or construction areas.
- Park carefully away from loose rocks or areas with heavy traffic.
- Use a windshield protector if you drive in areas with a lot of flying debris.
With these small steps, you can help protect your windshield and save yourself from costly repair or even windshield replacement.
Conclusion
Rock chips are common, especially in areas like Surrey, but these small damages should be repaired as soon as possible. It is because these small chips can become big cracks if not repaired quickly.
Some insurance companies offer rock chip repair with their comprehensive insurance policy. To determine whether your insurance covers rock chip repair, follow the steps mentioned above. If you are looking for a trustworthy auto glass repair shop in Surrey, contact Aim Auto Glass for an exceptional glass repair experience.
Frequently Asked Questions
Q. Does insurance cover rock chip repair?
Many policies with comprehensive or glass coverage do.
Q. Will I pay a deductible?
Some policies do, but small repairs are often free.
Q. How long does the repair take?
It usually takes 30–60 minutes for a small chip.
Q. Can I drive after a rock chip?
Yes, but drive carefully to avoid making the crack worse.
