10/18/2026
Windshield Claims & Your Auto Policy: What You Need to Know
We’ve been getting quite a few calls lately about windshield claims, so we wanted to clear up a common misconception. The days of filing a windshield claim without it potentially impacting your auto rates are officially behind us.
More carriers are now adjusting premiums when glass claims are filed. While we never love sharing news like this, we believe in being fully transparent with you so there are never any surprises at renewal time.
Key Takeaways:
Rate Impact: Filing a windshield claim may result in a premium increase when your policy renews.
Your Choice: You can still file a claim whenever you need to; the choice is always yours.
We’re Here to Help: If you have a chip or crack and want to weigh whether it makes sense to pay out of pocket versus file through your insurance, let's talk through your specific situation.
We do recommend getting an estimate for the chip and even the replacement. We have found the independent glass shops vs the national brands pricing can vary greatly at times.
Have questions about your coverage or need advice on a recent rock chip or crack? Give us a call at 517-351-9117—we’re always here to help you navigate i