Denver Windshield Chip Repair $0 With Most Insurance Policies
Most Denver drivers pay nothing out of pocket for windshield chip repair. Colorado insurers are required to offer zero-deductible glass coverage under CRS 10-4-613, and chip repairs are almost universally covered at no cost even under standard comprehensive policies.
Should You Repair or Replace Your Windshield?
Not every chip or crack needs a full windshield replacement. Most small chips can be repaired in under 30 minutes, restoring structural integrity and saving you hundreds of dollars. Here is how to tell the difference:
Repair Is Likely
- +Chip is smaller than a quarter (about 1 inch across)
- +Crack is shorter than 6 inches
- +Damage is not directly in the driver's line of sight
- +You have 1 to 3 chips total
- +Damage happened recently (less contamination)
Replacement Needed
- -Crack is longer than 6 inches
- -Spider web or branching cracks are present
- -Damage is in the driver's direct line of sight
- -Crack runs from edge to edge
- -More than 3 separate chips or cracks
Not sure? Send us a photo at (720) 918-7465 and we will tell you within minutes whether your damage can be repaired or needs a replacement. The assessment is always free.
How Windshield Chip Repair Works
Professional chip repair uses a resin injection process that fills and seals the damage, preventing it from spreading and restoring your windshield's structural strength. The entire process takes about 20 to 30 minutes.
Clean and Prep
The damaged area is cleaned thoroughly. Any loose glass fragments are removed, and the chip is dried to ensure a strong bond with the repair resin.
Vacuum Air and Moisture
A specialized vacuum tool is placed over the chip to extract trapped air and moisture from the fracture lines. This is critical -- air pockets weaken the repair.
Inject Clear Resin
Optically-clear repair resin is injected under controlled pressure, flowing into every fracture line and crack extending from the impact point. The resin fills the entire damaged area.
UV Cure and Harden
Ultraviolet light is applied to cure the resin, bonding it permanently to the surrounding glass. Once cured, the resin is as hard as the original windshield.
Polish and Inspect
The repair surface is polished flush with the windshield, restoring optical clarity. The finished repair is nearly invisible and restores 90 to 95 percent of the original structural integrity.
Result: Your chip stops spreading, passes Colorado inspection, and your windshield is safe to drive on immediately.
Why Denver Chips Spread Faster Than You Think
Colorado's Front Range environment is uniquely harsh on windshield damage. Conditions here cause chips to grow into cracks faster than almost anywhere else in the country.
Temperature Cycling
Denver regularly sees 40-degree temperature swings in a single day. A 28-degree morning followed by a 72-degree afternoon creates expansion and contraction forces that pry chip fractures wider with every cycle. This thermal stress is the number one reason small chips become long cracks in Colorado.
Altitude Pressure Changes
Driving from Denver at 5,280 feet to Eisenhower Tunnel at 11,158 feet creates a significant atmospheric pressure differential. That pressure change pushes outward on your windshield, stressing any existing chip or micro-fracture. Weekend ski trips are a leading cause of chip-to-crack progression.
Potholes and Rough Roads
Denver's freeze-thaw cycle destroys road surfaces every winter. The resulting potholes, uneven pavement, and construction zones create constant vibration and impact forces that stress damaged glass. Each pothole hit sends a shock wave through your windshield directly into that chip.
The Cost of Waiting
Every day you wait increases the chance that a repairable chip becomes an irreparable crack. A $0 chip repair today prevents a $300 to $800 windshield replacement next month. Once a crack passes 6 inches, repair is no longer an option -- you need a full replacement.
Chip Repair Insurance Coverage in Colorado
Colorado has some of the strongest glass coverage laws in the country, and most Denver drivers are eligible for completely free chip repair without even knowing it.
CRS 10-4-613: Colorado's Zero-Deductible Glass Law
Colorado statute CRS 10-4-613 requires every auto insurance company operating in the state to offer zero-deductible comprehensive glass coverage. Most policies include chip repair at no cost even without the optional glass add-on, because it is far cheaper for insurers to pay for a $60 repair than a $500 replacement.
Filing a Chip Repair Claim Will Not Raise Your Rates
Chip repair is filed as a comprehensive claim, not an at-fault collision claim. Comprehensive claims (glass, hail, theft, animal strikes) do not count against your driving record and will not increase your premium. There is no downside to using your coverage.
We Verify Your Coverage Before You Commit
Call us and we will check your coverage on the spot. We work directly with your insurance company so you never have to deal with claims paperwork. If your repair is covered at $0, you pay nothing. If there is any cost, we tell you before we start.
Mobile Chip Repair: We Come to You
Driving on a damaged windshield risks making the chip worse. Our mobile chip repair service comes to your home, office, or any location across the Denver metro area so you do not have to risk further damage.
Any Location
Home, work, gym, parking lot -- wherever your car is parked
20-30 Minutes
Done during your lunch break or while you are in a meeting
Same Equipment
Identical professional-grade tools as an in-shop repair
Same-Day Available
Call by noon, repaired by end of day, 7 days a week
Do Not Let That Chip Become a Crack
Every day you wait, Denver's temperature swings push that chip closer to becoming an irreparable crack. A 20-minute repair today saves you hundreds on a replacement next month.