Rock Chip Repairs On Your Auto Insurance

I work at a body shop and so many people do not know about this: Take a good look at the front of your car. Did you know that all those rock chips on the hood, bumper, fenders and windshield can be repaired through a claim with your automotive insurance? This claim is considered a comprehensive claim. It does not add points to your record, and you pay the lower of your two deductibles.


I don't recommend using this option, if you only have one or two rock chips as the condition worsens as time passes. Also, just an FYI: If a runaway shopping cart hits your car when parked in a parking lot, this, according to your insurance, is considered a collision.

By Teresa from California

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Silver Post Medal for All Time! 267 Posts
December 5, 20070 found this helpful

When I got my oil changed at Jiffy Lube, they offered to fix two chips in my windshield while I waited. It didn't cost me anything, they just billed my insurance for the repair.


I guess most insurance allows these repairs outside of your deductible because it is so much cheaper than having the entire windshield replaced.

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Consumer Advice Cars InsuranceDecember 5, 2007
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