Glazier repairing windscreen after stone chipping damage

How To Get A Cracked Or Chipped Windshield Repaired

Getting repairs for a chipped or cracked windshield is a breeze when you have comprehensive coverage from GEICO auto insurance.*

“Our customers are delighted that we offer windshield repair service to them at no charge,” says John Little, an assistant vice president at GEICO. “With comprehensive coverage on your policy, we waive the deductible for damage that can be repaired.”

If you have a small chip, nick or crack in your windshield, we can send a professional repair technician to your home or office. Just give us a call or log into the GEICO Mobile app and we’ll make all the necessary arrangements.

“Repairing the windshield protects its structural integrity,” says Little. “It is important to have the damage repaired as quickly as possible to prevent the chip or crack from spreading.” Chips must be smaller than a quarter, and cracks must be smaller than a dollar bill to be repairable.

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Why Use GEICO’s Windshield Repair?

  • It’s convenient. You don’t have to take time off work or rent a car while the repair is being completed. A technician will come to your home or place of work and do the repair on the spot.
  • It’s quick. The repair is done while you wait. In most cases, that means approximately 30 minutes.
  • It’s inexpensive. The deductible for windshield repair is waived if you carry comprehensive coverage.
  • You can avoid other problems. Replacing a windshield, instead of repairing it, involves breaking the original factory seal. That can make the area around the windshield more prone to leaks, which can lead to additional problems.
  • You can help protect the environment. Because a layer of laminate is fused to windshield glass, it’s more difficult to recycle. By repairing your existing windshield, disposal isn’t an issue.

“First time using online service and made a claim to have my windshield replaced. After a terrible day, using this claims service online that was simple, fast and easy, it really made things a lot better and weight has been lifted off my shoulders. I’m thrilled to know in addition that I am covered, with service coming to my home. With a new baby coming in just a couple of weeks I didn’t think I’d be able to afford a replacement. I’m happy to know my family will be safe and I don’t have to worry. So very grateful for this wonderful service.”

— Heather C. from New York

Beware Fraudulent “Glass Repair Technicians”

Filing a glass claim with your insurer may seem like a hassle, but it’s better than trusting someone else to do it.

macro shot of a rock chip on windshield

When it comes to repairing or replacing your car’s windshield, ethical service contractors will expect you to file the claim yourself. Other contractors, sometimes called “glass repair technicians,” may try to get you to sign an Assignment of Benefits (AOB) form so they can file the claim on your behalf. Their resulting actions can make your personal information vulnerable and lead to an increase in your premium.

What does a Glass Repair Technician do?

A Glass Repair Technician is a contractor who approaches you and says that they can take care of your car’s glass issues on your behalf. They often approach you at gas stations, car washes, or other public spaces where they can see your car. To take legal ownership of your claim, they have you sign an AOB form and collect your personal information without fully explaining what they’re doing. On the surface, it looks like they solicit your insurance information, fix your vehicle, and collect money from GEICO without much effort on your part.

What’s the catch?

You’re providing your contractors with the authority to charge the insurance company whatever they want under your name. Those high costs may not come from your pocket, but they could increase your premium rates when your account lists an overcharge. In addition, when you sign your claim over to a contractor, you’re providing them with your sensitive personal information. This can lead to an abuse of your personal information and potential identity theft. Not all contractors participate in this fraudulent activity, but it’s not worth the risk.

What should I do instead?

If your vehicle’s glass is damaged, you can report your glass claim online, via the GEICO Mobile app, or by calling 1-800-510-2291. GEICO recommends the reputable auto glass experts at Safelite, but you have the ability to choose other repair service shops with your policy.

*Some coverages and features are not available in all states, in all GEICO companies, or in all situations.
Review your policy.

    Leave a comment

  1. William Sayre says,

    I need to have my Toyota windshield inspected, as it has two chips that I have noticed today. Small in nature, but I have been told this condition can be dangerous.

  2. Allison says,

    I needed to replace my windshield on my very first (brand new, 2017!) car. Geico was my very first car insurance provider because being a twentysomething I thought it was easy to sign up and get coverage with them. Little did I know!! The $500 deductible doesn’t make sense to me. Where did they get that number? I would like to know the calculation it because the auto glass places I called were quoting me ALL UNDER $500. On average it seems to cost less than $500 to replace a windshield.

    I’ve switched providers and my new car insurance has a $50 glass deductible, it made me so angry! Why is there such a big difference in that number? I guess I had to learn the hard way. I told all my friends–ESPECIALLY first time car owners like myself–DO NOT USE GEICO!

    • Told You So says,

      The $500 deductible is what *you* chose. You could have paid a higher premium to have a lower deducible or paid a lower premium but have a higher deductible. As an adult it’s *your* responsibility to read the details of what you agree to and if toy don’t like it to shop around.
      Your new insurance has a $50 glass deductible because windshield repair is not part of your comprehensive insurance with them.

      The only person you should be mad at is yourself for not educating yourself on what you are paying and what you should get out of insurance. If the cost of replacing the windshield was less than your deductible, you should have just paid out of pocket for it. You unfortunately like a lot of adults don’t understand that insurance is there to protect you from catastrophic costs amd not to pay for nicks to your car. This is one reason why premiums go up for everyone.

    • That Guy says,

      Only person you can blame is YOU for being ignorant and not researching what you were signing up for. Learn to adult.

  3. Jennifer K says,

    The windshield replacement ad is very deceiving! I signed up with Geico to have full coverage on my vehicle as it is financed. I have a $500 comprehensive coverage and they told me that I need to pay the deductible in order to get my windshield replaced. Never in all my years owning a vehicle have I come across this issue. It has always been covered under full coverage. Will most likely be finding a new insurance company as soon as this policy runs out. Very discouraged and disappointed with Geico.

    • T, Peterson says,

      It’s not actually deceiving. I have the same insurance plan, however I opted for the NO DEDUCTIBLE comprehensive insurance. Therefore, when I call them in a few minutes to get my windshield replaced it will cost me nothing. I learned long time ago, if you select comprehensive insurance, always opt for the no deductible option. Just as I have $250 deductible. Many of the repairs won’t exceed the $500 and higher, and I don’t keep that money laying around. LOL

  4. Donna Miller says,

    The windshield replacement ad is deceiving. I have a $750 comprehensive coverage and they told me it was not covered by the windshield replacement ad. Geico told me to call Safelite and when I did and ask about the Geico Cash. So I did and I was quoted more mentioning that I have Geico Insurance! The quote regarding Geico Cash was more than quote using the online discount. It just doesn’t seem right! With everything else, if it seems too good, it probably is not true!

  5. KB says,

    It’s not convenient and it’s not quick. Seriously stay away from Geico. Was leaving to go out of town and had to have my windshield repaired. Their third party provider’s system was down and it was 2 days later before I heard from them. Went ahead and had the repair done. Geico now refuses to pay. Ridiculous. Taking my business elsewhere. I guess they’re willing to pay a lot more to replace the windshield than just replace it.

    • Editor (GEICO) says,

      Thanks for reaching out. We’d like another opportunity to review your claim with you. Please give us a call at 1-800-947-AUTO (2886) so we can assist you further.

  6. Paula Suasa says,

    So I made the phone call but Nooooo, I have to go on line or text…stupid. So I will do it. But I don’t understand why they can’t just talk to me by phone…my phone dosn’t text by the way.

  7. Robert Frost says,

    You need to have comprehensive coverage on your vehicle or it will not be fixed. I’m a Geico customer and they just told me that. This article gave me the impression that they would repair it no matter what. Just be aware of that.

    • Jess James says,

      Why would you think otherwise when the article states, “Getting repairs for a crack or chip in your vehicle’s windshield is a breeze when you’re covered when you have comprehensive coverage from GEICO auto insurance.” They clearly explain.

  8. Dan Glass says,

    Why would The insurance company waive the deductible to repair a chipped windshield? I’ve heard the repair typically costs about $100. If a customer has full coverage, and needs a rock chip repair, if a claim is made, does the customer actually pay nothing? And. would a claim like this raise rates for the customer’s future insurance?

    • Nurtz Kidd says,

      Because windshield replacement is much costlier. A ding often ends up as a replacement, if not repaired. So they contract with a glass repair service, getting a discount rate, and repair (for maybe $50 a throw) vs. covering an $800 repair a few months later, less a deductible of maybe $300. They pay $50 to avoid a claim of $500, in other words. And get a happier customer! Win-win!

    • Mike says,

      Mike from Red Rock Chip Repair in St George, Utah. Yes, the insurance company will cover the repair granted you have full coverage insurance on the vehicle. I do hundreds of repairs, many through Geico. They have always been a great company to work with. Here’s a tip though. Get the repair facilities information: Name, address and phone number. Call the 800 number for Geico before going to the shop, they will do a short interview then issue a referral number, Geico may or may not call the shop so make sure you get that referral number. This will save you time at the repair facility. I hope this helps some.

  9. Todd Cottrell says,

    Just an F.Y.I. Your claim or rock chip repair doesn’t have to go through Safelite you can use any glass company you would like to use. So don’t let them falsely steer you to them.