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A rock kicked up by a passing truck, sudden temperature changes, or hail can cause damage to your windshield, and those cracks can spread quickly. When that happens, what should you do? Windshield crack repair might seem like the quickest and most affordable option, but it isn’t always the right solution. Here’s what you need to know about repair vs. replacement and how to lower or eliminate your out-of-pocket costs with insurance coverage.
What Types of Windshield Damage Are Most Common?
Your windshield offers a field of visibility while driving, but high speeds, road hazards, and accidents can leave your windshield damaged. Once you understand the damage you’re dealing with, you can determine whether repair is even possible. The most common types of windshield damage include:
- Small chips from rocks or debris that typically appear as a small bull’s-eye or star pattern.
- Cracks spreading across the glass, which can quickly expand when exposed to vibration, bumps, or extreme temperatures.
- Shattered glass from accidents. Severe collisions can cause complete glass failure, making replacement the only viable option.
When Should You Repair a Windshield?
Not all damage means a full replacement. In fact, most small chips and cracks can be safely repaired if caught early. So, can a cracked windshield be repaired? “If you notice even a tiny chip, don’t wait to repair it. Even minor damage can spread overnight,” says Kevin Quinn, VP, Auto Claims.
Generally, you should consider windshield crack repair when:
- The chip is smaller than a quarter.
- The crack is less than 6 inches long.
- The damage is not directly in your line of sight.
Repairing a windshield usually involves injecting a clear resin into the damaged area and then sealing it to prevent spreading. This restores strength to the glass and makes the damage far less noticeable, potentially extending the life of your windshield for years.
When Is Replacement the Better Option?
Unfortunately, some windshields may be too far gone to repair. Consider replacement of your windshield if:
- You have large or multiple cracks.
- The damage extends into your direct line of vision.
- The structural integrity of the glass is compromised.
Does Insurance Cover Windshield Repair or Replacement?
The good news is that many auto insurance policies help you cover the costs of windshield damage. While coverage varies by provider and state, be sure to check your comprehensive coverage, which usually applies to glass damage caused by road debris, vandalism, or weather events.
Some insurers even waive the deductible for windshield repairs, encouraging drivers to fix chips before they turn into bigger problems. Mercury Insurance, for example, offers flexible glass coverage options that can make both repairs and replacements affordable.
How Much Do Repairs and Replacements Cost?
How much does it cost to replace a windshield? That will depend on your vehicle’s make, model, and features. Windshields with sensors for lane departure warnings or rain-sensing wipers require specialized calibration after replacement, which adds to the price.
- Replacements are more expensive, typically ranging anywhere from $350 to $550, but can exceed $1,000 if you drive a luxury vehicle or a car equipped with an advanced driver assistance system.
- Repair costs can be lighter on your wallet, assuming the damage is minor. Fixing a small chip, for instance, may cost you less than $100.
“That’s when it pays to check your insurance coverage,” adds Quinn. “Insurance can significantly lower the costs of repair or replacement — sometimes to zero, depending on your coverage.”
How Can You Prevent Windshield Damage?
Even if you’re the most cautious driver on the road, you still may be left with star-like cracks on your windshield in the event of a hailstorm or large amounts of road debris.. There are a few precautions you can take, however:
- Keep your distance from trucks carrying debris. Gravel haulers and construction vehicles are notorious for launching rocks at nearby cars.
- Repair chips early. What starts as a dime-sized blemish can turn into a spiderweb of cracks within days.
- Avoid extreme temperature changes. Blasting a frozen windshield with hot air or pouring boiling water on it can cause cracks to form and spread.
How Mercury Insurance Can Help With Damaged Windshields
Choosing the right insurer means you’re not only protected financially but also supported with practical solutions when accidents happen. Mercury offers an easy claims process, with fast and straightforward filing for glass damage. Our affordable, comprehensive plans can cover both repairs and replacements, reducing or eliminating out-of-pocket costs. And, our nationwide network of agents gives you access to personalized advice on coverage and claims.
Conclusion
So, should you repair or replace a damaged windshield? The answer depends on the size, location, and severity of the crack. Small chips can often be handled with windshield crack repair, while larger cracks and damage in your line of sight usually mean full replacement.
The good news is that comprehensive auto insurance can help offset or even cover those expenses entirely. Mercury offers an extensive list of authorized repair facilities to determine the extent of windshield damage and provide the appropriate fix. Contact us today to get a fast, free insurance quote!
Kevin Quinn is Vice President of Claims for Mercury Insurance, where he leads auto claims adjusting nationally. Quinn has been with Mercury since 2015 and has been in the industry – starting as a claims adjuster – for more than 20 years. Quinn received his undergraduate degree in Business Administration from New York Institute of Technology and also holds a Juris Doctor degree from California Western School of Law.
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