Author name: Revin yousif

A cracked windshield doesn’t always mean you need to replace the entire windshield.  In many cases, small chips or cracks can be repaired using modern technology, such as resin injection and UV curing. By using these methods, repairs can be made safely and without leaving any spots.  However, the size, depth, and location of the crack are also factors in determining whether the damage can be repaired or if replacement is the only option. If you understand the types and can differentiate between them, then you can make an informed decision for your car. In this content, I’ll clarify all aspects from a different angle, so you can make a decision quickly and avoid unusual expenses.  Let’s get started.  When Can Cracked Auto Glass Be Repaired? Having cracks on your vehicle’s windshield doesn’t mean signing up for a replacement. However, there is a 78% chance of replacement, but repair can also be done. But it must meet several conditions.  So, what if they don’t work then? Then, there will be no repair shop worth trusting. Here’s what really matters: Size and Length Limits Sometimes, we don’t take small cracks seriously. If the size of cracks extends beyond their regular size, then it’s hard to manage.  Actually, there is no ideal size that indicates it is not repairable. However, experts recommend that if the size of the crack exceeds 6 inches, it can’t be repaired and must be replaced. The structural integrity of glass can be damaged if the chip is too deep.  A small chip can be easily patched, but if it spreads, it becomes difficult to replace, and neither DIY nor a technician can repair it. That’s simple. Location of the Crack The location of cracks is similarly essential as the length of cracks on the windshield.  No matter how well it’s repaired, there will still be a spot on the glass. However, this spot may not be immediately visible unless you take a close look. Therefore, if the crack is not occurring in a random area, such as one that is visible to the driver, then replacement is a safe option. Usually, the crack spreads quickly if it happens on the edge of the glass. If you repair it, then it cannot be run for a long time. If the crack’s location is out of the driver’s sight and not on the edge of the glass, then those can be managed. Depth of Damage A windshield is made of three different layers, including glass and plastic. A plastic layer remains between two glass plates.  If the damage occurred on the top layer, then you don’t have to invest in windshield replacement. On the contrary, if a crack occurred in the deep portion, then replacement would be a safer option.  When Replacement is Necessary Instead of Repair? A simple decision may save thousands of dollars. In my opinion, it’s essential to know when replacement is a safe option and when repairing the windshield is sufficient.  So, how can you make this decision, as you are not an expert? Let’s see several criteria that will help you make a better decision: Severe or Long Cracks If the crack is severe, long, or deep, then repair may not be the best choice. So, how long or deep, and how to measure?  Just check with a measurement tool to see if the crack is indeed 6 inches long. If that were to happen, then investing in repairing your glass could be a waste of money.  A long or deep crack not only damages the structural integrity but also raises safety issues. And, you should consider the safety of saving a few bucks. If you’re trying to repair it, the ultimate result is to replace the windshield.  Keep in mind that the windshield is not just glass; it supports your airbags and keeps the roof safe from collapsing.  Multiple Cracks Spreading Across the Glass Sometimes, less than 6 inches can be considered for several months, but if your windshield has more than one crack, it could compromise the integrity of your windshield. You can repair your windshield if it has isolated damage. When you have to deal with multiple networks of cracks, then replacement is the only option.  These multiple cracks gradually weaken the entire glass’s strength. Moreover, it is a great safety issue. If you don’t replace it, then you should not drive on a busy road. This may lead to a penalty from the police.  Safety Risks of Ignoring Replacement No doubt, if you ignore the badly cracked windshield, it can be more dangerous than you can imagine. A weak windshield not only supports the air bag system but also indicates a negative impact on the glass. Thus, it loses overall protection in the event of an accident.  Another aspect to consider is ‘Obstructed visibility’. Cracks that spread across your field of vision make it harder to see if any road hazards have been on the road. In some states, it is a punishable offense for any driver to operate a car with large cracks that obstruct the driver’s view. /p> Repair vs Replacement: Cost and Insurance Considerations Repair or replacement of a windshield is closely associated with the cost and insurance. Generally, the cost of repair is comparatively lower than the replacement cost. Now, let’s see some criteria based on it: Average Cost of Repair vs Replacement You will need to spend $50-$150 for repairs, which depends on the size and number of large chips or cracks. For windshield replacement, the cost ranges from $200 to $500. Besides, the costs may exceed $1000+ due to having a smart sensor. At Save on auto glass windshield replacement cost, starting from $99 So, why is it so important?  Because you can save several hundred dollars if the chip is small and easily repairable, however, if the damage is too severe, replacement may be the only option, even if the costs are higher than the repair costs. Insurance Coverage for Cracked Glass

You’re on a road, and a rock just hits your windshield. You measured it and saw that 1 1-inch chip has happened. What should you do now, repair or replacement?  At Save On Auto Glass Repair can be solved within $35-$65, but replacement costs start from $99. Now, if you don’t know about it, how could you determine what you should do?  As a car owner, you shouldn’t ignore safety. Your safety is more than a piece of glass. A small chip can develop into a large crack, necessitating replacement.   In this content, I’ll describe the most common types of windshield damage, repair vs replacement, and other issues that you will find interesting.  Let’s get started. Common Types of Windshield Damage Before learning about the common types, it is essential to understand why knowing them is important. As a car owner, you should have the ability to identify which one is a chip and which one is a crack. Both are damage types that generally occur in the windshield.  This ability not only reduces overall spending but also preserves the original windshield. If you have a crack on your windshield, then there is no option to recover the original strength; only replacement is available.  Sometimes, several technicians could be suggested for replacement, but that is actually not needed. This identification helps you to get a better idea. Now, let’s see which are the common types of windshield damage: Chips In the case of the windshield, the most common damage is chips.  Chips can be in various formats. These chips may occur due to unwanted occurrences. For example-  You are driving on a road, and a piece of stone or solid debris hits the glass. At first sight, this may not be too visible or sometimes unnoticeable. You can think like a wound on a glass.  If you don’t take any steps, it can develop into a crack. And, this can happen comparatively faster if you live in the Nordic region.  These small chips may lead to a large crack, and in that case, replacement would be the only option. This scenario may incur costs that exceed the average.  Cracks Cracks are the upgraded version of chips. Cracks can occur directly or result from a transformation, such as large chips. So, how do you figure this out?  It is easy to determine whether your windshield has a chip or a crack.  A line will appear on your windshield that can be spread from top to bottom or left to right. The parameter of length is not always the same. However, the size of the crack can be 6 inches or higher. Temperature, vibration, and other external factors may play a big role here.   So, if you see a crack, there’s no need to wait anymore for the next one.  Visit the repair shop and discuss the options with them. If you are near Metro Detroit and Southeast Michigan, just contact a better repair shop like Save on Auto Glass.  Combination Breaks The middle position or condition between chips and cracks is called ‘combination breaks’. This generally happens when the impact is substantial, and creates chips and multiple branching of cracks around the chips.  Now, a question may arise in your mind: “Is a combination break repairable?” The answer is not entirely yes/NO. Some damages may be repaired, and others are replaceable.  So, this actually depends. If the damage is severe, it’s better to opt for replacement rather than a test drive with repair. Ultimately, you may need to consider the replacement option further.  Surface Pits and Scratches Some car owner thinks that scratches or surface pits are not a big deal. Is it really true? These should not be neglected.  Usually, these can occur due to dust, sand, or wiper blades. The windshield may become cloudy over time if you don’t take proper care of it.  Light scratches may cause significant issues like glare, which may lead to difficulty driving when while sunlight hits directly.  This is why you should maintain your routine. And, don’t forget to clean up after a long drive. A little practice may reduce the cost of repair.  Causes Behind Different Types of Windshield Damage The truth is that the damage to the windshield doesn’t happen spontaneously. Behind it, there will always be a reason. If the reasons can be understood, chips, cracks, or other problems can be easily prevented.  So, let’s check the most common culprits for the windshield damage. Road Debris and Flying Rocks At the top of the list, the biggest offenders are road debris and Flying Rocks.  While driving on the highway, small rocks and gravel can be blown away from their original position. These fragments, often dislodged by the tires of other vehicles, especially trucks, may directly hit the windshield. These types of tiny rocks, traveling at high speed, can create chips or star-shaped cracks instantly. Maintaining a minimum distance from large vehicles is not only a defensive driving technique but also a crucial aspect of windshield protection. Weather and Temperature Changes Extreme temperatures are not conducive to glass. So what’s the reason? During hot weather, the glass expands, and it contracts when it’s cold. Due to this constant shift, the windshield can become stressed, especially if it has any chips or microcracks. Do you ever notice a crack getting longer abruptly overnight in winter? That’s the effect of thermal stress. Rapid changes in temperature. This can include freezing or extremely low temperatures. This can cause the defroster to blast. Thus, it makes the situation worse in an instant. Accidents or Heavy Impact It’s obvious but needs to be said.  From a minor fender bender to a fallen tree can cause serious damage. Although the glass doesn’t break down, the structure can be weak, which may later become visible as a crack.  So it’s better to inspect the windshield after any accident, even if it’s minor.  Poor Installation or Structural Weakness Sometimes the problems remain with the installation, not the outside

After seeing a chip on your windshield, you may ask yourself, “Can Auto Glass Be Repaired Without Showing a Chip?” Auto Glass could be repaired without showing any chips. Modern repair technology is now more mature. Today’s resin injection and curing technology enables technicians to work more perfectly. However, not all chips are repairable if they are long in size. Not every chip behaves the same way. Some are completely invisible after the repairing process, and a few have a line, but it is not entirely noticeable. Sometimes, if the chips are too large, it would be better to opt for replacement instead of repair. In this content, I’ll briefly describe how auto glass is repaired, its final appearance, and when the repair process is not worth it. So, let’s get started. Identification of Chips and Cracks in Auto Glass All the damage types of windshields are not the same. A small dot on the windshield is not just a chip, and a line is not a crack. Some people are thinking like that, and they are trying to DIY, which results in bad outcomes. Now let’s come to the point. To understand whether you need to change the entire windshield or if ‘repair is enough’ is to understand the basic difference. The Difference Between a Chip and a Crack You can spot a ‘chip’ at a first glance by seeing only where a piece of glass has broken off. Generally, this has been caused by small rocks or other particles. On the other hand, to figure out a crack, you may see a line that appears on the glass and spreads out from the point of impact. Usually, it is more visible than a chip, and much longer, and this can be run from top to bottom or left to right. So, the main point is: As a car owner, this difference should be clear. If you can understand, then you can guess the cost to fix your windshield. How Chips Form and Spread Chips are tiny and can cause damage, so you have time to fix them. But, how many days? If you wait for many days to fix it, then it could be a reason to complete a windshield replacement. Yeah, a tiny chip can turn into a large crack. So, a chip can start with a tangible impact on the road. A rock hits your windshield, creating a tiny crater. From the very first phase, the outer layer absorbs, but the real damage is revealed later. The problem begins with the temperature fluctuations, vibration, and other conditions within the car. In this phase, the chips gradually turn into cracks. How Auto Glass Repair Works: You may think that fixing an entire windshield is all about filling a crack. Not only you, but many others like you, think so. Is that really true or a myth? That actually does not work like this. A round or proper repair means restoring the strength of the glass from all sides. Lastly, cracks or damage must not spread after a few days. No doubt, this one is a bit technical, but it can be completed in 30 minutes by experts. Now, let’s see some essential points that help you determine the way repair works: The Resin Injection and Curing Process The first attempt by the expert is focused on resin injection. To perform this, the technician cleans dirt, dust, and moisture from the surroundings of the damaged area. The main objective is to make sure the resin bonds properly without any occurrences. After that, the resin injection process starts. Technicians use a resin injector in the damaged area. In this event, liquid glass, which is commonly known commercially as acrylic resin, is being used. This liquid is used continuously by pushing until it fills. After completing this process, the next step is curing. The Role of UV Light in Sealing Now, the primary challenge is transforming liquid glass into hard glass. Technicians use many tools or materials to do this. Among them, UV light may be the most effective option for doing it easily. Some technicians called it ‘Super Sunlight’. So, what’s the purpose of using a UV light? The primary reason is the ability to transform the resin into a crystalline form. This form recovers the glass and regains its strength. That’s it. After the transformation, the damaged area looks smooth and precise. Most of the time, the damaged area is unnoticeable. The Limitations of Repair Technology Now, here is the truth that I can’t deny. All the chips would be repairable. If the chip is too deep or wider than expected, then it could not be repairable. Sometimes, cracks could be deep if you do not take any steps to repair them. So, resin injection is not an ultimate solution for all time. When is Full Replacement Better Than Repair? In my opinion, sometimes it could be better to replace than repair. No doubt, resin injection is an excellent way to repair a windshield, but it is most effective for small chips. Based on our previous experience, a complete replacement is often preferable when the damage exceeds a certain threshold. Now, let’s see when replacement is required: Large or Deep Chips Deep chip is the first sign of a crack. So, how do you figure it out? This is simple. If you see that the chip is larger than a quarter, then this is the first symbol to be prepared. These comparatively larger or deeper chips transformed into cracks that can’t be repaired with the best resin on the market. So, if you want to invest in it, then it could be a waste of money, and not more than that. So, make sure that your chip is not too large. Chips in the Driver’s Line of Sight This one is important. Sometimes, we have to consider minor issues or distortions. But, this is not considerable if it remains directly in the driver’s line of sight. If

If you’ve ever had your windshield crack or shatter at the worst possible moment, you already know how stressful it can be. That’s precisely where mobile windshield replacement changes the game. Instead of bringing your car to the shop, the shop comes to you. In Metro Detroit, this service is becoming a go-to solution for drivers who value both safety and convenience. And in many cases, it’s not just about comfort. It’s about avoiding the serious risks of driving with a compromised windshield. In this guide, we’ll break down everything you need to know. You will know exactly, from cost and insurance coverage to Michigan’s safety standards, and how to choose the right provider for the job. Let’s get started. What is Mobile Windshield Replacement? The demand for mobile windshield replacement is increasing due to car owners being stuck on the road. This is precisely what it sounds like.  You don’t need to drive directly to the technician’s shop; just call the expert and get help instantly. It doesn’t matter where you are, whether you’re at home or work, just contact them, and get a hassle-free service. Your cracked or shattered windshield will be repaired quickly and efficiently. You won’t need to travel far from the shop location for the service. So, why does this matter? Sometimes, driving a car with a damaged or cracked windshield is risky, and it’s not just inconvenient. In fact, a small chip can compromise the structural integrity of your car. I think this would not be worth it. Mobile service eliminates the need to take that risk. It still provides you with the same high-quality replacement you’d expect in a shop. Mobile windshield replacement isn’t some “lesser version” of the in-shop process. The same tools, materials, and safety standards are used. The only difference is that the shop comes to you. Key Benefits of Mobile Windshield Replacement in Metro Detroit You can have the best auto shop in town. But if your windshield is cracked and you don’t have the time, that’s one issue. If it’s unsafe to drive, what good is it? That’s where mobile windshield replacement comes in. At the most basic level, mobile service saves you time and hassle. Instead of sitting in traffic and waiting in a shop lobby, a technician comes directly to your location. Your windshield gets replaced while you continue with your activities. But that’s just scratching the surface. Actually, driving with a cracked windshield is a safety hazard. A damaged windshield reduces your car’s structural strength and can even affect airbag deployment. Mobile replacement eliminates the risk because you don’t have to drive anywhere with glass damage in the first place. Mobile replacement isn’t a “shortcut.”  And, you’re not sacrificing quality for convenience. The same OEM-grade glass, adhesives, and installation techniques used in the shop are used on-site. You get the best of both worlds: convenience, safety, and the same quality. All of this is available without ever leaving your driveway or parking spot. Mobile Windshield Replacement provides convenience by coming to your home or office, offers same-day or quick service, and allows you to handle the insurance process through services that work with major providers. In the metro Detroit area, Save On Auto Glass is always ready to help you. Cost Considerations for Mobile Windshield Replacement You might offer the most convenient mobile service available. However, if the costs are significantly higher than a traditional shop visit, most individuals are likely to pass. In Metro Detroit, the cost difference between mobile and in-shop replacement isn’t as big as you might think. Many people assume there is a significant gap, but that’s not the case. The average cost of windshield replacement in the area ranges from $200 to $500. This pricing varies based on your vehicle’s make, model, and the type of glass used. Mobile service may add a small fee for travel or setup. In many cases, it’s the same price as going into the shop. Insurance is another significant factor.  Many comprehensive auto insurance policies in Michigan cover the cost of windshield replacement. In fact, most mobile providers will help file the claim for you. So, you’re only on the hook for your deductible. But that’s just scratching the surface. The real comparison isn’t just dollars. It’s about value.  When you factor in the time saved, no towing costs, and the safety of avoiding a drive with a cracked windshield, mobile service often proves to be the smarter deal. This is true even if it costs a little more upfront. How Mobile Windshield Replacement Works with Insurance Having the best mobile service in place is crucial. If there’s a lack of understanding about how insurance plays into it, individuals may not realize the cost implications. As a result, it’s possible to end up paying more than necessary. Windshield replacement usually falls under comprehensive insurance coverage in Michigan. That means if your glass was damaged by road debris, weather, or an accident not involving another vehicle, your policy likely covers it. Here’s how it works: You file a claim with your insurance provider. The mobile replacement company often helps with the paperwork. You pay your deductible, and insurance covers the rest. But that’s just scratching the surface. Now, you may ask, “Will filing a glass claim raise my premium?” In most cases, the answer is no. Since glass damage isn’t usually your fault, insurance companies don’t treat it the same way they do at-fault accidents. Regulations and Safety Standards in Michigan The fastest mobile service in Metro Detroit can be an appealing option.  However, if it doesn’t meet Michigan’s legal and safety standards, it’s not worth pursuing. Your windshield isn’t just glass. It’s a critical safety component.  Michigan law requires that every vehicle have a windshield in good condition. If your windshield doesn’t meet those standards, you could fail a safety inspection or even get ticketed. Licensed and Certified Technicians in Metro Detroit But that’s just scratching the surface. It’s not just about having

Windshield replacement can impact your overall insurance in Michigan. And, not always. However, if you have comprehensive coverage, most of the glass usually won’t raise your insurance rates or budget.  Filing multiple claims may result in paying out of your own pocket. Sometimes, it could also lead to higher levels in the near future. However, other policies leave you covering the cost yourself. In this content, you will learn in detail about windshield replacement insurance, how it works, and more. So, let’s get started. What Insurance Covers Windshield Replacement in Michigan? Many people are unaware of the damage to their windshields. And yes, not all insurance policies are the same, and not all are equal. In fact, some Michigan drivers assume that their no-fault policy automatically covers the repair or replacement of glass. But here’s the truth: it doesn’t. Drivers who live in Michigan often assume that the no-fault policy automatically covers the repair or replacement of glass. However, this is not necessarily the case. Well, some people are serious about the ‘Standard no-fault insurance’. If you are one of them, then you should know that this insurance only takes care of certain types of injury.  So, what does it mean? If a stone or rocks crack down on your windshield, unfortunately, you’re not covered in that case.   Here is the coverage that you should note-  Comprehensive Coverage. Firstly, this one is a policy that should be upgraded. As a car owner, this bold step covers damage to your vehicle from sources other than a crash. Moreover, it also includes a cracked or shattered windshield.  Full Glass Coverage Overall, most insurers offer full glass endorsements in Michigan (except for a few of them). These insurers are usually designed to cover both repair and replacement.  However, you can contact your insurers to know in detail.  Collision Coverage (in rare cases). There is a misconception among people that they believe all accidents are covered by insurance. Is that really true? The answer is ‘No’. Primarily, if your windshield is damaged in a larger accident, you can obtain coverage. For more details, you can also contact your insurers.  Before rushing to pay out of pocket, checking your insurance coverage is a wise move. How Michigan’s No-Fault Insurance Works It’s essential to know about the age no-fault insurance when you’re going for a windshield replacement in Michigan City. So, what’s the reason behind it?  The no-fault insurance system in Michigan differs somewhat. Based on it, it directly impacts whether insurers will pay or not. What is No-Fault Insurance? Michigan’s no-fault insurance was not designed with the individual in mind. It means that regardless of who the person is who had an accident, each person will receive medical benefits and other benefits as well. This is actually a big deal for someone.  In the past, accessing emergency medical services was often tricky, but it has become much easier now.  Typically, this law applies to only a select few individuals. These persons are those who actually require medical assistance rather than others’ physical damages like damage in vehicles.  Coverage for Vehicle Damage Under Michigan Law Here is a tricky and confusing part for most car owners.  The basic plan holder with a no-fault policy does not receive complete coverage. However, some insurers provide a specific percentage.  For those people who do not have the bare minimum no-fault coverage, it would be better not to expect anything from the insurers. As I mentioned, the standard coverage for replacement, particularly windshield replacement, typically comes from multiple add-ons. However, sometimes you have to pay your own money in that case.   Laws and Regulations in Michigan Regarding Windshield Replacement It’s not just about fixing when the idea of windshield replacement comes to mind. There are also several laws and regulations to consider. And yes, there are actually some rules for both drivers and for insurance companies.  So, why is it crucial now? There is a great way to cut or reduce unnecessary costs if you actually know the rules and regulations. Besides, having a clear conception of what to discuss with the insurers is excellent.  State-Specific Glass Coverage Requirements Michigan, unlike certain states, does not mandate insurance companies to provide zero-deductible glass coverage. Consumers in Michigan should be aware of this difference. Indeed, there is no automatic glass benefit if you only carry the bare minimum no-fault policy. That’s as simple as that. You’ll need to add comprehensive insurance. This is necessary if you want windshield replacement included. Insurance Company Obligations That said, Michigan law imposes certain obligations on insurers.  If you have comprehensive coverage, your insurance company must honor that contract. It should cover windshield repairs or replacements, as specified in the policy terms. Typically, you have the option to choose your Auto Glass shop. While insurers can recommend “preferred” shops, they cannot force you to use one. Safety and Inspection Laws Now, the most critical aspect is safety.  In Michigan, you don’t have to do annual vehicle inspections like some other states. However, as an owner, you must be concerned if your windshield is somehow broken or cracked.  Let’s give you some examples:  (i) If you can’t see the road view while driving because of a crack or damage to the windshield, then you may get ticketed by the local police. (ii) Driving with a damaged windshield is considered a safety violation. This could not be ignored. So, sometimes we think that local government forces us to do this, but it is a safety concern, not only for you but also for other drivers.  How to minimize Overall costs The expense of windshield replacement is relatively high. However, with the right approach, you can cut unnecessary costs. Let’s see which is the right approach: #1 Repair Small Chips Early A small chip may lead to large cracks, especially during winter. In this regard, you can do a quick repair.  If you’re unable to replace your windshield on your own, you can always seek assistance. You can

In Michigan, auto insurance can cover windshield repairs or full replacements under certain types of coverage. If you need to replace your windshield, you will need to pay any applicable deductible. Can I get a free windshield replacement in Michigan? That’s where Save On Auto Glass steps in. We will pay your deductible. Drop by any of our locations for same-day service, waived deductibles, and instant rebates. What Kind of Insurance Covers Windshields in Michigan? If your policy includes comprehensive coverage, there’s a good chance your insurance will pay for a repair or replacement if the damage wasn’t caused by an accident. Non-accidental damage can cause chips or breaks in your windshield from road debris, hail, vandalism, or even sudden temperature changes. Collision coverage can also apply if your windshield damage happened during an accident, like if another car kicked up debris or you hit an object. If you only carry liability insurance, your windshield isn’t covered at all. Liability only helps with damage you cause to other people’s property, not your own.  Michigan’s Deductible Rules In Michigan, there’s no special ‘free windshield law’ like some other states have. That means you may have to pay out of pocket before insurance picks up the rest—unless you understand the Michigan windshield deductible rules. If you have comprehensive coverage and your windshield needs repair or replacement, your insurance will likely help pay for it after you pay your deductible. Your deductible is the amount you agree to pay before insurance kicks in. Some Michigan insurers will waive your deductible for a small chip repair because repairs cost much less than replacements. Fixing a chip early can also prevent a bigger claim later. The Difference Between Repair and Replacement Not every windshield problem means you need a brand-new one. Sometimes a quick repair will do the job. If the damage is small, like a chip or a short crack under about six inches, and it’s not in your main line of sight, we can usually fix it. Repairs are faster, cost less, and many insurance companies in Michigan will cover them without making you pay a deductible. You’ll need a replacement if the crack is long or blocks your vision. In Michigan, most insurance policies will make you pay your deductible for a full replacement. Repairs are cheaper for insurance companies, so they’re more likely to cover them at no cost to you. Replacements take more time, parts, and work, and often require safety recalibration, so your deductible usually applies.   How to Get Your Michigan Insurance to Pay for a Windshield Replacement Nobody likes dealing with a broken windshield. It’s frustrating, unsafe, and always seems to happen at the worst possible time. Even a minor crack can turn into a lot of damage if you don’t fix it. Here’s how to find out if your auto insurance will help cover the costs. Check your policy for comprehensive coverage You can call your insurance company to check what kind of coverage you have. In Michigan, windshield replacements are usually only covered if you have comprehensive coverage. Liability-only policies will not pay for your own windshield damage. Understand your deductible Most Michigan policies require you to pay your deductible before insurance pays the rest. For example, with a $250 deductible, if your replacement costs $500, insurance covers $250. Some insurers waive deductibles for minor repairs, but not for full replacements. Contact your insurance company right away Tell them about the damage and ask if it’s covered. Ask if your policy covers the replacement and whether you can use the repair shop of your choice. In Michigan, you usually can. Pick a shop that works with your insurer Choosing a repair shop that handles claims directly with insurance saves you time and stress. At Save On Auto Glass, we deal with your insurer for you, waive your deductible, or give you an instant rebate up to $100. That means you may pay nothing out of pocket. Get it fixed fast Cracks grow quickly in Michigan’s changing weather. Acting fast can keep you safer and prevent more costly damage later. The Save On Auto Glass Advantage We are certified and approved by all major insurance companies. We waive deductibles for windshield replacements and windshield repairs. We also offer customers with a $0 deductible an instant rebate up to $100. That means you can often get your windshield repaired or replaced without paying anything up front. For our out-of-pocket customers, windshield replacement starts at $99. Windshield repair costs $65, and windshield recalibration services start at $149. Here’s a breakdown of the cost of repairing a windshield chip without insurance. Does Filing a Windshield Claim Raise My Insurance Rates in Michigan? This is one of the first questions drivers ask. The answer is usually no. In most cases, a claim for windshield repair or replacement won’t cause your rates to go up in Michigan. That’s because it’s considered a “no-fault” or minor claim, not an at-fault accident. However, every insurance company has its own rules. If you’ve had several claims in a short time, even for small issues, your insurer might review your policy at renewal. Here’s the general rule: Single glass-only claim – Typically no effect on your premium. Multiple claims in a year – Could lead to a rate increase or higher deductible. At Save On Auto Glass, we work with your insurance company to handle everything for you. We also waive your deductible or give you an instant rebate up to $100, which means you can often fix your glass without paying a cent. Get a Same-Day Windshield Replacement in Michigan   At Save On Auto Glass, we offer quick and reliable windshield replacement with same-day service. Can’t drive? We’ll come to you! Our technicians offer free mobile repairs near your home or office. If your windshield is chipped, cracked, or broken, don’t wait. Contact us today or stop by one of our locations. We have auto glass repair shops in: Fenton, MI Sterling

If you’ve lived or driven around Sterling Heights, Auburn Hills, or Warren, you know how unpredictable our roads can be. One day, you’re cruising down M-59, the next a stray rock smacks into your windshield. Your first thought: “Great, how much is this gonna cost me?” Your second thought: “ Will my Michigan insurance cover it ?” The answer? It depends—mostly on your deductible. Let’s break it down so you know exactly what to expect—and how Save On Auto Glass can often help you pay nothing out of pocket. What’s a Deductible and Why Does It Matter? An auto insurance deductible is what you pay before your insurance kicks in. Example: If your deductible is $500 and the repair costs $800, you pay $500, and your insurance covers the remaining $300. When it comes to auto glass coverage, your deductible can be the deciding factor in whether you: File a claim through insurance Or just pay for the repair yourself Many Michigan drivers with higher deductibles skip filing a claim for small chips or cracks, simply because the deductible costs more than the repair. Michigan Auto Glass Coverage—The Rules Michigan runs on a no-fault auto insurance system, which is one of the most misunderstood parts of our state’s insurance laws. Here’s the truth No-fault coverage is mainly designed to handle medical bills and lost wages after an accident. It does not automatically mean all damage to your car—like a cracked windshield—is covered for free. When it comes to auto glass repairs in Michigan, most drivers rely on their comprehensive insurance policy. This is an optional add-on that steps in when the damage isn’t caused by a collision. Common examples include Rocks and road debris kicked up while driving down I-75 or M-59 Hail, snow, or ice damage, especially during Metro Detroit’s unpredictable winters Vandalism or break-ins Fallen branches after a storm Here’s why this matters If you don’t have comprehensive coverage, you’re paying for that new windshield completely out of pocket. If you do have it, your deductible still decides what you’ll owe. For some, that could be $0. For others, it could be $250, $500, or more—sometimes more than the cost of the repair itself. That’s why knowing the exact terms of your policy before damage happens can save you a lot of frustration when you’re already dealing with the stresses of cracked glass. Common Misconceptions When it comes to Michigan auto glass coverage, a lot of drivers have the wrong idea—and those misunderstandings can cost you money. Two of the biggest myths we hear all the time: “No-fault means my windshield gets fixed for free.” ❌ Nope. Michigan’s no-fault system is designed to cover injuries and certain expenses after an accident, not automatically replace or repair your auto glass. If you don’t have comprehensive coverage, you’ll still be paying for that new windshield yourself. “The cheapest Michigan car insurance is always the best deal.” ❌ It might look great on paper, but low-cost, bare-bones coverage often leaves out comprehensive insurance. That means no help with damage from road debris, storms, or vandalism. In the long run, one stray rock on M-59 could end up costing you far more than the extra $10–$15 a month you might have paid for better coverage. Bottom line: A little extra coverage now can save you hundreds (or even thousands) later, especially with how unpredictable Michigan roads and weather can be. Do You Always Pay a Deductible for Auto Glass Repair? Not necessarily. It depends on your coverage and the size of the damage: Small repairs: Many insurance companies waive the deductible because fixing a chip now costs less than replacing the whole windshield later. Full replacements: You’ll usually pay your comprehensive deductible, unless your repair shop helps cover it. How Save On Auto Glass Helps You Pay $0 We know a cracked windshield is stressful enough—you shouldn’t have to stress about paying for it too. That’s why: We waive your deductible for many auto glass services. If you have zero-deductible auto glass coverage, we give you an instant rebate of up to $100. We work directly with your insurance company, so you don’t have to deal with back-and-forth phone calls. The result? You get your glass repaired or replaced fast—and in many cases, without spending a dime. Real-Life Example in Metro Detroit Let’s say you’re driving at 70 through Auburn Hills on your way to Great Lakes Crossing and a dump truck kicks up gravel. Crack across your windshield. Your deductible is $250. The total replacement cost is $350. Normally, you’d owe $250. With Save On Auto Glass, we work with your insurance to waive that deductible, so you pay $0. If you had zero-deductible coverage, we’d even hand you a check for up to $100. Tips for Faster Auto Glass Repairs with Michigan Insurance Want your repair done quickly and painlessly? Have your insurance policy number ready – We can verify coverage faster. Ask about free mobile service – We’ll come to your driveway in Sterling Heights or your office in Warren. Choose an insurance-preferred shop – We’re certified, trusted, and recognized by major insurance providers. Don’t wait – Michigan winters are brutal on small chips. They turn into big cracks in no time. Why Staying Local Matters We’re a Metro Detroit auto glass company, not a national call center. That means: We know the local roads that cause the most damage. We can get to you faster if you’re near Van Dyke Avenue or out by Hall Road. We’ve built relationships with Michigan insurance agents to speed up claims. Before You Hit the Road… In Michigan, whether you pay a deductible for auto glass repair all comes down to your insurance policy—and knowing your options can save you serious money. With Save On Auto Glass, you don’t have to settle for paying more than you should. We often waive your deductible entirely, so you could pay $0 out of pocket. If you have zero-deductible coverage, we’ll give you an

To check if your Michigan auto insurance covers windshield replacements, review your policy for comprehensive or glass coverage, then confirm details with your insurer. You can also have Save On Auto Glass check for you in minutes. Driving with a broken or cracked windshield is dangerous. Your auto insurance might cover the cost of a repair or replacement. Learn more about getting a free windshield replacement. At Save On Auto Glass, we’ve been helping Michigan drivers navigate insurance claims since 1998. Learn how to find out if your policy covers windshield replacements and how we can often make the process completely free for you. Why Coverage Matters for Windshield Damage Windshield replacements can get expensive. Damage also usually happens in a matter of seconds (usually at the worst possible times). Customers from the Metro Detroit area come to us all the time with windshield damage. Damages are usually caused by stone chips from road debris, ice buildup in winter, or sudden temperature changes that make small chips crack across the glass. Windshield replacements can be costly, especially for newer vehicles with built-in sensors and cameras. If your insurance covers it, you may pay nothing out of pocket. Some insurance companies cover windshield repair at 100% coverage with no deductible. Did You Know: Most Save On Auto Glass customers don’t pay a dime thanks to deductible waivers and $0 glass coverage. Understand Michigan’s Auto Glass Laws Michigan does not have a “free windshield replacement” law. Whether you pay depends on your insurance policy and deductible. If damage blocks your view, an officer can stop you and issue a fix-it notice. Check your coverage early. You can fix the glass before it becomes a safety problem or a legal issue. Should I Use Insurance to Replace My Windshield? Many drivers wonder if going through insurance for a windshield repair is worth it. In most cases, comprehensive coverage or a glass coverage add-on will pay for windshield damage from things like road debris, storms, or vandalism. In general, if the cost to replace your windshield is higher than your policy deductible, filing a claim usually makes sense. If the repair will cost less than your deductible, it’s better to pay for it yourself and skip the insurance claim. Check if Michigan Auto Insurance Covers Windshield Replacements | Step-By-Step It’s never a convenient time to have a broken windshield, but knowing if your insurance will cover the costs can help. If you find yourself with a broken windshield, here’s how to find out if your insurance will pay. Step 1: Review Your Insurance Policy Check your auto insurance policy documents. You can also call your provider and have a team member check on your terms for you. You’ll want to check the following: If you have comprehensive coverage or not If you have glass coverage or a full glass coverage add-on If you have a $0 glass deductible   Tip: If you have only liability or collision coverage, your windshield is likely not covered unless you added a glass-specific option. You can also bring us your policy info, and we’ll read the coverage details for you. We’ve worked with all major Michigan insurance companies, so we know exactly what to look for. Step 2: Call Your Insurance Provider If you’re unsure about language, call your insurance company directly. You might still have some questions about your coverage. Check out some of the most common questions below. Does my policy cover windshield repair and replacement? Is there a deductible I’ll need to pay? Do I have $0 glass deductible coverage? Is OEM glass covered, or only aftermarket? Do I need to use an approved repair shop? Keep a copy of these questions when you make the phone call, to have them on hand when you need them. Step 3: Know the Types of Coverage Each type of insurance handles glass damage differently. Comprehensive coverage usually covers non-collision damage like rocks or weather. Collision coverage usually applies if the glass was broken in a crash. Liability insurance won’t cover your windshield if you caused an accident. If you only have liability, you’ll need to pay out of pocket unless you add comprehensive or glass coverage. A glass add-on or $0 glass deductible can make the repair or replacement cost you nothing. Skip the Steps and Let Save On Auto Glass Handle It We have worked with Michigan insurers for more than 25 years. When you call, we start with a quick coverage check to confirm your benefits and whether your deductible can be waived. Next, we handle the claim with your insurance provider so you do not have to deal with paperwork. We schedule a same-day or next-day appointment, and mobile service is available if that is easier for you. Our certified technicians install OEM-quality glass and complete recalibration if your vehicle needs it. If your policy already has a zero glass deductible, you receive an instant rebate of up to $100. Do you want to know if yours will be free? Contact Save On Auto Glass, and we will check your coverage in minutes.   What to Do if Insurance Doesn’t Cover Windshield Replacement If your insurer will not pay for the repair, do not put it off. A cracked windshield is not just a cosmetic issue. Heat, cold, and rough roads make small chips spread. As the crack grows, your view gets worse and your risk on the road goes up. Fixing the damage early is usually the smarter money move. We repair minor chips and short cracks without replacing the whole windshield. Those quick repairs are faster and far less expensive than a replacement. If you need help, call Save On Auto Glass. We can give you a clear cash price, talk through repair vs. replacement, and schedule same-day or mobile service across Metro Detroit. Find the Best Auto Glass Repair in Metro Detroit, Michigan Your insurance coverage can make the repair or replacement much more affordable. At Save On Auto Glass,

Windshield repairs or replacements are no fun – especially when you fear that your insurance may not cover as much of the costs as you’d like. From deductible amounts to repair costs, you’ll need to know exactly what your current auto coverage policy does and doesn’t include before you head to a repair shop. For Michigan drivers, this means learning your specific comprehensive insurance terms and the potential windshield replacement costs you might be facing. What Are My Coverage Options for Windshield Repair? Your auto insurance policy’s comprehensive coverage typically handles windshield damage from non-collision incidents, which are the most common causes of broken windshields or other auto glass damage. Comprehensive coverage covers damage caused by rock chips, sudden temperature changes, vandalism, and even some damage caused by natural disasters. However, if your windshield damage resulted from an accident, you’ll often find that your collision coverage kicks in instead. But it’s important to note that coverage for windshield damage varies by state. Some states mandate free windshield replacement, while Michigan allows insurance companies to apply standard deductibles to glass claims. What does this mean for you? In most cases, your deductible amount will determine whether or not filing an insurance claim makes financial sense. You’ll find that some insurance companies offer full glass coverage add-ons to policies. These can reduce or eliminate deductibles specifically for auto glass damage, making replacement more affordable. Windshield Repair vs Replacement – Which Is Right For Me? When you see a crack or chip, you may wonder whether you need a full replacement or just a minor fix. You’ll also find that insurance companies want to know the same thing! Many auto insurance policies waive deductibles entirely for windshield repairs, as many would rather cover minor fixes now to prevent future, high-cost coverage repairs down the road. This makes windshield repairs almost always worth filing through your insurance company. But if the structural integrity is compromised or the damage is impacting how well you can see out your windshield, a full windshield replacement may be in order. Original equipment manufacturer (OEM) glass often costs more than aftermarket windshields, but your insurance coverage should include OEM quality without additional charges. When To Pay Out of Pocket for Broken Windshield Repairs You’ll want to use your insurance coverage when the windshield repair or replacement exceeds your deductible. For instance, if a full windshield replacement costs $500 and your deductible is $250, insurance saves you $250. However, you may opt to skip filing an insurance claim when the replacement is less than the deductible. If your damaged windshield requires $99 to replace but your comprehensive coverage carries a $500 deductible, you’ll be paying that full amount regardless. Plus, filing unnecessarily creates a claim record on your file without the financial benefit. If you find that the damage is repairable at a manageable cost, you may go the route of paying out of pocket. A small crack or chip often costs $65 to repair – far less than most deductibles. And those early small fixes can often prevent those much more expensive full replacements later on. Make The Smart Financial Decision for Windshield Repair or Replacement in Michigan Remember: Michigan law protects your right to choose any certified repair shop you wish to have repairs or replacements completed. This means you can go with trusted local auto glass specialists who may have more competitive cash pricing or deductible assistance programs. Before you make a decision on repairs, do your due diligence. Calculate your costs under both an insurance and out-of-pocket payment route, get multiple quotes, and always compare the price against your coverage and deductible. Fixing your windshield is an important step in responsible automobile ownership, and you never want to risk your safety or that of others to avoid paying for repairs. Michigan’s roads and weather bring more than a few risks to your car’s windshield, and the sooner you act, the safer you’ll be! Want to learn more? Contact Save On Auto Glass​ today to get all the information you need for your next windshield repair. Request A Quote Now