Are you looking for a comprehensive insurance policy for your automobile? Then you might have come across the term “chips insurance” while searching for auto insurance. In this article, we will discuss in detail what chips insurance is and why it is important for car owners.
What is Chips Insurance?
Chips insurance is a specific type of coverage that protects your car from damages caused by rocks and debris that hit your car when you’re driving. Commonly referred to as “windshield repair” or “windshield replacement” coverage, chips insurance is included as a part of many comprehensive auto insurance policies.
The term “chips” refers to small cracks or chips that can occur in the windshield of your car as a result of rocks or debris on the road. If left unaddressed, these chips can turn into major cracks that could compromise the safety of your vehicle.
What Does Chips Insurance Cover?
The purpose of chips insurance is to provide coverage for the repair or replacement of your windshield in case it is damaged by rocks or debris. This coverage typically includes:
Item |
Coverage |
Chips and Cracks |
Repair or Replacement |
Full Windshield Replacement |
Covered |
Other Glass Damage |
May be covered under comprehensive policy |
It is important to note that chips insurance only covers damages caused by road debris hitting your windshield. If your windshield is damaged due to collisions, vandalism or theft, you will need collision or comprehensive coverage to get coverage for the damage.
Why is Chips Insurance Important?
Chips insurance is an important aspect of comprehensive auto insurance coverage. Even the smallest chip or crack in your windshield can turn into a major safety concern, as it can obstruct your vision and compromise the structural integrity of your vehicle. Chips insurance can help you avoid costly repairs and replacements by providing coverage for the repair or replacement of your windshield in case it is damaged by road debris.
Furthermore, chips insurance can also save you money on your regular car insurance premiums. Windshield repair and replacement can be expensive, and having chips insurance can prevent you from being hit with a large bill in the event that your windshield needs to be fixed or replaced.
How Much Does Chips Insurance Cost?
The cost of chips insurance varies depending on several factors, including the make and model of your car, your driving history, and where you live. On average, chips insurance costs around $30 per year, which is a relatively small price to pay for the peace of mind that comes with knowing you’re protected in case of a rock or debris hitting your windshield.
Frequently Asked Questions (FAQ)
What should I do if my windshield is damaged by road debris?
If your windshield is damaged by road debris, you should take it to a certified technician who can assess the damage and determine whether repair or replacement is necessary. If you have chips insurance, you may be able to get the repair or replacement covered by your policy.
Is chips insurance mandatory in every state?
No, chips insurance is not mandatory in every state. However, it is recommended that you consider adding chips insurance to your comprehensive auto insurance policy for added protection.
Can I get chips insurance if I have a leased car?
Yes, you can get chips insurance even if you have a leased car. However, you should double-check with your leasing company to make sure that chips insurance is not already included in your lease agreement.
Can I get chips insurance if I have a high deductible?
Yes, you can get chips insurance even if you have a high deductible. Chips insurance typically has no deductible, which means that you won’t have to pay anything out-of-pocket in case of a windshield repair or replacement.
How long does it take to repair or replace a windshield?
The time it takes to repair or replace a windshield varies depending on several factors, including the severity of the damage, the availability of replacement glass, and the technician’s schedule. On average, a windshield repair takes around 30 minutes, while a windshield replacement can take between 1 and 2 hours.
Conclusion
Chips insurance is an important aspect of comprehensive auto insurance coverage that provides protection for your car in case of windshield damage caused by road debris. Getting chips insurance can give you peace of mind knowing that you’re covered in case of an unexpected event, and can help you save money on expensive repairs or replacements in the long run.
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