Do Rock Chip Claims Impact My Insurance Rates? Insurance Agency Weighs In.

We’ve all seen the tents around claiming, “Free rock chip repair!” but clearly there is a hidden cost somewhere. Sure, the insurance companies will pay the people at the tent to inject an epoxy into the chip in hopes that it doesn’t run and turn into a non-repairable crack. After all, the insurance company clearly sees that 50.00 is better than the $250 to have the windshield replaced.

So the question is: Can a rock chip claim impact my insurance rates? The short answer typically no, but it is possible.

Depending on your insurance company you may upset a delicate balance of claims loss. Most insurance companies use rating factors into their algorithms such as, zip code and certainly previous losses. Some insurance companies claim that people who turn in multiple glass claims have an overall higher loss rate and cost them more money in future claims. Furthermore, it depends on how many claims you have over a certain period of time. For instance, if you file a theft claim, then you have a rock chip claim the next week, this may flag your policy for filing too many insurance claims over a certain period of time generating a rate increase. This happens because when you stop at a rock chip repair tent or call a mobile repair company t that comes to your home they will ask you for your policy number and turn in an insurance claim so they can get paid (if you have comprehensive insurance).

If you have any questions please feel free to reach out to us.  Or give us a call to schedule an appointment 385-219-9100