Whether you live in a rural area with several gravel roads or in a city full of construction sites, it is likely that your windshield will crack or shine. What should you do if your windshield is damaged? Will your car insurance cover everything? We have the answers to your questions.

If a small pebble causes a glare on my windshield, but there is no sign of a crack, should I have it repaired?

Driving with a small glare on the windshield can be dangerous, as any type of pressure (eg, windshield wiper, sudden temperature change, car wash, or pothole shock) can transform the windshield. A larger crack that could obstruct your vision and even pop your windshield while you’re on the road, resulting in a dangerous driving situation and more expensive repairs. The sooner you repair the luster or crack, the better.

How do windshield repairs work?

Windshields are made by inserting a thin layer of plastic or resin between two layers of glass and then applying heat and pressure to fuse the three layers. The inner layer is designed to maintain the integrity of the windshield and prevent it from shattering in your vehicle as a result of a crash. To repair a splinter or crack in your windshield, a special resin is injected into the damaged area. Small holes can be drilled at the ends of the crack to prevent it from spreading.

Can I repair my windshield myself?

While it is possible to purchase a home repair kit and try to repair minor cracks or chips yourself (as long as they do not block your field of vision), it is safer to bring your own vehicle to a qualified professional for any type of repair. Most recent windshield models contain sensors (eg, for the advanced driver assistance system or automatic wipers on your vehicle) that will need to be calibrated properly after a repair to ensure that they work well. These adjustments must be made by a professional.

Will my auto insurance cover the cost of repairing cracks or chips in my windshield?

A collision car insurance policy covers property damage caused by falling objects, vandalism, fire, lightning, and wind storms. If you have this warranty and your windshield is damaged by something other than a collision, the professional repair or replacement will usually be covered (minus your deductible).

How will the claims affect my insurance?

While repairing your windshield probably does not affect your insurance, full replacement may affect your premium or deductible. The good news? If your windshield can be repaired by a professional, some insurers may waive the deductible and pay for the entire repair.