Why That Little Hail Chip is a Bigger Deal Than You Think
You hear a thud and see a a hailstone bouncing through your yard. Then, hundreds of them are falling everywhere...and your car is parked outside in your driveway. After the storm passes, you go outside to check your car and you have several chips in your windshield. You might think you can fix it later, but waiting can cost you more.
Your Windshield is a Safety Net
Your windshield does more than keep wind out. In fact, it gives your car about 60% of the strength it needs to protect you. A hail chip weakens that shield. It is like a small tear in a safety net. It might hold for now, but you shouldn't rely on it.
Heat and Cold Make Cracks Spread
Glass does not like big temperature changes. When you turn on the defroster on a cold morning, or the A/C on a hot day, the glass expands and shrinks. That small hail chip can turn into a long crack in seconds. One minute you have a tiny chip. The next you have a crack across your whole windshield.
Your Car's Safety Cameras Need a Clear View
Newer cars have cameras and sensors in the windshield. These help with things like lane keeping and automatic braking. Even a small hail hit can knock them out of line. When you replace the glass, the shop has to calibrate these sensors. That keeps your safety features working right.
Your Repair Could Be $0 with Insurance
Hail damage is not a crash. It falls under the comprehensive part of your car insurance. Many insurance companies waive your deductible for chip repair. They would rather pay for a small fix than a full replacement later. So even if your deductible is $500, you might pay nothing.
Some states have special rules. In Florida, Kentucky, and South Carolina, the law says insurers must waive the deductible for windshield replacement. Check your policy to see what applies to you.
Frequently Asked Questions
Here are answers to common questions about hail damage and windshield repair.
Does car insurance cover hail damage to my windshield?
Yes. Hail damage is usually covered under comprehensive insurance. It is not a collision, so it does not affect your collision record.
Can I wait to fix a small hail chip?
It is better not to wait. Temperature changes can make the chip spread into a long crack. A small fix today can save you from a total replacement later.
Will my insurance go up if I file a glass claim?
A single comprehensive claim often does not raise your rates. It is a no-fault claim. But rules vary by company; check with your insurer.
Have a damaged auto glass?
Glass.net can give you up to 3 competing prices from local windshield repair/replacement shops in your area—it's fast and free.
More Guides & Tips
- Windshield Replacement in 7 Easy Steps
- What Type of Auto Glass Should I Buy—Dealer, OEM, or Aftermarket?
- Insurance Can Help Pay for Auto Glass Replacement
- What to Expect at Your Windshield Replacement Appointment
- Windshield Repair—or Windshield Replacement?
- Mobile Windshield Repair
- Emergency Auto Glass Repair
- Hail Damage Repair
- Why Repair a Windshield Chip
- Do DIY Windshield Repair Kits Really Work?
- About Safe Auto Glass Installation
- Auto Glass Installer Standards and Certifications
- How a Windshield Installation is Performed
- Auto Glass FAQ
- How Glass.net Works
- How to Shop for Auto Glass
- What is the difference between OEM and OEE auto glass?
- Vandalism Safety Tips
- Information an Auto Glass Shop Needs to Replace Your Auto Glass