Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 7, 2022

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In a nutshell

  • Rock chips occur as a result of rocks and debris on the road as well as other vehicles in front of you
  • Damage from rock chips can vary from minor to extensive
  • Does insurance cover rock chips? Insurance requires comprehensive coverage to repair rock chips

Rock chips are often caused by other vehicles on the road throwing rocks up at your car. When you see significant damage on your vehicle, you will want to get your car repaired.

Does car insurance cover rock chips? Whether the damage is to the windshield or the body of the car, the cost might be covered by auto insurance. Much of it will depend on the types of coverage you have on your policy.

Compare car insurance options and quotes by entering your zip code into our free rate comparison tool above.

Damage to Your Vehicle from Rock Chips

As you drive down the road, especially at high speeds, rocks and other road debris can fly up towards your car.

Depending on your speed and where the rocks hit, you could experience body damage, a broken windshield, and much more.

The damage might require:

  • Windshield replacement
  • Dent removal
  • Touch up paint
  • Fender replacement

In some instances, larger vehicles could kick up the rocks toward your car as well. Some of the 18-wheelers and construction vehicles are known for causing damage to other vehicles on the road.

With more tires, these large trucks carry more chances for rocks and debris to fly up and hit your car.

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Does car insurance cover rock chips?

If the rocks come directly from the large vehicle and hit your windshield or another part of your vehicle, the driver of that vehicle becomes the responsible party. You can use their license plate information in an effort to contact the company.

In most cases, though, rock chips are simply a result of driving around or behind other vehicles. No one is liable for items they simply drive over, which is why you need the right insurance coverage.

Once you have assessed the damage to your car, you’ll have to look at whether your insurance will cover the repairs.

What information is requested when filing a claim?

The moment you notice a rock chip on your car, you need to call and file a chips car insurance claim with your insurance company. The insurance company will then help you through the claims process.

If you wait too long, it’s hard to tie the damages to the incident, resulting in a claim being denied.

In most instances, the damage is not going to be enough to prevent you from driving your car. Additionally, it isn’t going to be something where you call the police out to the scene, which means you won’t have a police report.

Every insurance company is different; however, most companies will collect a lot of the same information. Insurance adjusters will want to know:

  • The date of the incident
  • Where you were
  • The extent of damages

The extent of damage will determine whether the adjuster wants you to bring the car into a collision center to be viewed or if they will authorize the repairs without it being seen.

If you work with a collision center, body shop, or glass shop authorized by the insurance company, they will provide all of the information to insurance. Going to a location authorized by insurance will help to speed up the chips car insurance claims process and save you a few steps.

Does car insurance cover rock chips including all of the repairs?

Ultimately, your car insurance policy will only cover the repairs if you have comprehensive coverage.

You pay a premium in order for insurance to cover the cost of damage. You also have the deductible, which is your out-of-pocket expense that has to be paid in many instances.

You should always compare your deductible to the cost of the repairs before filing a claim.

During the claim process, it is identified what the cost of repairs actually is. You have to decide if it’s worth it to pay the deductible in order for insurance to cover the rest.

Considering you can’t avoid a rock chip, it’s best to have comprehensive coverage on your policy.

It’s easy to add to your policy, and getting quotes from multiple companies will ensure you never pay too much. Enter your zip code below to get started comparing.