Windshield Damage

Windshield Damaged

Coloradans know winter is the time of year when your windshield will inevitably get chipped or cracked. But, what most people don't know, is that many insurance companies will pay for the repairs.

With sand coating the roads after snowstroms, a few are bound to fly your direction, and hit your windshield. And with the rise in cracks, glass companies look forward to spring when they get a rush of business.

Bruce Buckman with Windshield Express says just a small penetration can turn into a large crack. But, he adds, it's easy to fix with a drill, and a little resin, "the resin will fill the cracks... so they're almost invisible."
And the best part is, it shouldn't cost you a thing. According to Buckman, "most insurance companies do pay for rock chips and crack repair without any deductible... it's up to the customer if they want to take it through the insurance company."

State Farm agent John Hall says most drivers with comprehensive coverage don't realize windshield repairs are free. "Typically if the crack is less than the size of a dollar bill or the the chip is less than the size of a quarter we can repair the glass. We don't charge the deductible. It's covered at no cost."

If the whole windshield has to be replaced, the deductible will apply. But, for a little extra money, some companies offer comprehensive coverage with a zero-deductible for glass claims.