@Progressive Blog

Windshield Cracks: Why Submitting a Claim Now Saves Money Later (and Is a Safe Practice!)

Posted by Brittany Ritchey on 2/23/2010 at 7:00 AM

Blog author Karnina Szymanski, Process Consultant at Progressive, specializes in communicating to our customers about glass claims.

Last winter, I was driving into work when a chunk of snow dislodged from the roof of my car and struck my windshield, hitting a small crack that was several months old. I was shocked to see the crack quickly spread across the glass. As if that weren’t bad enough, when I entered the parking lot and drove over a speed bump, the windshield shattered.


When I called to report the damage, I learned that by not having the crack repaired months ago, when it was small enough to fix, I compromised my safety—and now would have to pay money out of pocket to completely replace the glass. (Find out more about repairing vs. replacing a windshield.)

Since then, especially because my role at Progressive is to educate our customers about glass claims, I encourage everyone to get windshield damage repaired as soon as possible. Repairing cracks is even more critical in cold weather, which causes windshields to develop a slightly concave shape, making chips and dings—like the one I had—60 to 80 percent more likely to spread*.

My experience was scary but also an eye opener to me. Have you checked your windshield lately for cracks? And did you know that as part of Progressive’s windshield and glass claims process, you can schedule repairs at the location of your choice—even your work parking lot?

*According to a study by the Motor Industry Research Association (MIRA).

Depending on your state and your insurance coverage selections, deductibles for glass claims may vary. Please review your policy information for details.

The information in this blog may vary based on your particular state or situation. Always refer to your insurance policy for your specific coverages.


I know this is about three years after the article was published but I am confused how a chunk of snow fell from the roof of your car on to your windshield. The windshield slopes up to the roof. It also happened while you were driving which means you did not properly brush the snow off of your car creating a hazard not only to yourself but also the drivers around you. BRUSH THE SNOW OFF OF YOUR CAR BEFORE YOU DRIVE!
Posted on 4/7/2013 at 12:51 PM by Josh

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