Do I Pay a Deductible for Stone Chip Repairs in Manitoba?
Quick Answer: If you have an MPI Autopac policy with a $200 Plus, $200, or $100 deductible, stone chip repair is usually FREE. You only pay a deductible if you have the standard $500 level or if the windshield needs to be fully replaced. You can check your specific MPI Glass claim coverage instantly using the "Open Claim" tool on our website.
One of the most common questions we get at Dedicated Auto Glass in Steinbach is: "How much will this rock chip cost me?"
Drivers often ignore stone chips because they are afraid of a bill. They assume that because their deductible is $200 or $300, they will have to pay that amount just to fix a tiny chip.
Good News: That is almost never the case.
Here is the truth about MPI deductibles for repairs versus replacements, and how to find out for free if you are covered.
Repair vs. Replacement: The Cost Difference
1. Stone Chip Repairs (Usually Free)
MPI wants you to fix chips before they crack. To encourage this, they waive the deductible for most policy levels.
$200 Plus, $200, $100 Deductible: You pay $0 for stone chip repair.
$300 Deductible: You pay roughly $15–$20 (depending on the chip).
$500 Standard: You pay the full repair cost (approx. $50–$70).
2. Windshield Replacements (You Pay Deductible)
If that chip cracks out and the glass needs to be swapped, the windshield replacement cost will be your full deductible amount (e.g., $200 or $300). This is why speed matters—fixing a chip for free today saves you $200 tomorrow.
How to Check Your Deductible Instantly (Without Calling)
You don't need to dig through your filing cabinet to find your policy papers.
Grab your Vehicle Registration card.
Go to the Dedicated Auto Glass website.
Click "Open Claim".
Enter your Plate & Policy Number.
Our system will instantly verify your coverage level. You will know within 60 seconds if your repair is free or if a deductible applies.
Don't Wait for the Crack
If you verify that your coverage includes free repairs, there is zero reason to wait. A small bump in the road or a cold Steinbach night can turn that free chip repair into a $200 replacement job instantly.
Frequently Asked Questions (Stone Chip Cost)
Q: Will a stone chip repair make the damage invisible? A: No, not 100%. The goal of a repair is to restore structural integrity and stop the crack from spreading. You will likely still see a small blemish where the rock hit, but it won’t grow.
Q: How many stone chips can you repair on one windshield? A: We can usually repair up to 3 chips, provided they are not directly in the driver’s line of sight or too close to the edge of the glass.
Q: Does a stone chip claim raise my insurance? A: No. MPI Glass claims for repairs generally do not affect your Driver Safety Rating (DSR) or premiums.
