Windshield Damage: Should You Opt for Repair or Replacement?
In the event of a stone chip in your car's windshield, it's essential to act promptly to ensure safety and minimise potential costs. Here's a guide to help you navigate through the process.
Firstly, if you notice a stone chip, it's crucial to pull over at a safe location such as a rest area or parking lot to inspect the damage more closely. Sudden braking can endanger following traffic, so it's best to assess the situation calmly.
If the stone chip is within your field of vision or too close, you may face a fine of 90 euros and a point in Flensburg. To avoid this, it's important to address the issue promptly.
Transparent stickers like Tesafilm can help keep dirt and moisture away from the damaged glass, preventing the chip from spreading. However, it's not a substitute for repair or replacement.
When it comes to repair costs, they depend on the extent of the damage. Repairs typically cost between 60 and 120 euros, while replacements can range between 400 and 1500 euros.
It's recommended to always contact your car insurance company before a repair, as some providers cooperate with certain workshops. The partial or full casco insurance usually covers the costs of repair. However, an insurance claim for replacing damaged car glass may not be recognised if the damage occurred due to intentional actions, lack of proper coverage in the policy, failure to notify the insurer timely, or if the damage resulted from excluded causes such as normal wear and tear or pre-existing conditions.
It's also worth noting that if the windshield needs to be replaced, a deductible may apply depending on the insurance conditions. Furthermore, during the main inspection, the TÜV sticker may be refused if the stone chip is too large.
In summary, prompt action, communication with your car insurance company, and careful inspection of the damage are key when dealing with a stone chip in your car's windshield. Always prioritise safety and remember, a quick repair can save you from potential fines and costly replacements.
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