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“I wanted to get my brand new 2026 Ford F-150 undercoated to help protect the frame and undercarriage from rust and corrosion, especially with Colorado winters.”
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Need an immediate chip repair?
Call (719) 517-7220 or text (719) 521-6992—that’s the fastest way to reach us.
Same-day chip repair. Weekend walk-ins welcome. Half-hour repair.
Saturday 6am–8pm · Sunday 8am–6pm. No appointment or hour’s notice required for chip repair. Online booking is optional for chip repair. All other services require an appointment.
Call (719) 517-7220 or text (719) 521-6992—that’s the fastest way to reach us.
Same-day chip repair. Weekend walk-ins welcome. Half-hour repair.
Saturday 6am–8pm · Sunday 8am–6pm. No appointment or hour’s notice required for chip repair. Online booking is optional for chip repair. All other services require an appointment.
Windshield insurance · Colorado Springs
Does insurance cover windshield chip repair in Colorado?
The short answer
Colorado does not require zero-deductible glass coverage.
Three states do. Colorado is not one of them.
FloridaKentuckySouth CarolinaColorado
What does happen here: if you carry comprehensive coverage, most major carriers waive your deductible when a windshield can be repaired instead of replaced — because a $60 repair costs them far less than a glass claim.
That’s a business decision on their side, not a law on yours. It can differ by policy, and it applies to repair, not replacement.
Sources Progressive publishes the three-state list. Colorado attorneys confirm no state statute exists.
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Why you’ll see “free windshield repair in Colorado” everywhere
Search this and you’ll find sites telling you Colorado mandates zero-deductible glass coverage. That is not true, and it’s worth knowing why it keeps getting repeated.
Three states have laws that stop insurers applying a deductible to glass: Florida, Kentucky and South Carolina. Progressive publishes that list themselves. Colorado isn’t on it, and Colorado attorneys answering this question say the same — there is no Colorado statute requiring a zero-deductible glass policy, and it remains legal here for an insurer to apply one.
So why do so many Colorado drivers get a chip fixed for nothing? Because of math, not law.
Covered or not, it’s thirty minutes and sixty dollars.Call or text us
The actual reason most chip repairs cost you nothing
A chip repair runs a carrier a fraction of what a replacement does. A replacement on a modern car means new glass, labour, and often a camera recalibration on top. Faced with that, most carriers would rather pay for the repair today than the replacement in February — so they routinely waive the deductible on repair.
That’s a business decision, and almost every major carrier makes it. But it is their decision, not a legal obligation, and it can differ by policy.
01
It applies to repair, not replacement
Once the damage is past repairable, you’re into a replacement claim, and that normally does go against your deductible.
02
You need comprehensive
Liability-only doesn’t cover your own glass. If you dropped comprehensive, the repair is yours to pay — and at $60 it’s cheaper than most deductibles anyway.
$60First chip
No comprehensive? Still only sixty.Cheaper than most deductibles, and done while you wait.
Will a glass claim raise my rates?
This is the question everybody asks and nobody on page one answers.
A glass repair claim is a comprehensive claim — the not-at-fault category that also covers hail, theft and animal strikes. Carriers generally treat comprehensive claims differently from at-fault collision claims, which is why most will waive the deductible on repair in the first place.
We’re a glass shop, not your insurer, and we won’t tell you what your specific policy will do. What we will do is call your carrier with you before we start, so you know what you’re dealing with before anyone touches your glass. That takes about five minutes.
If you’d rather skip the whole conversation: $60 cash, first chip. $10 for each one after. For a lot of people that’s simply less hassle than a claim.
Skip the claim. Book the repair.$60 first chip · $10 each additional · no deposit
When it stops being a repair
Honest answer, because the alternative is you finding out the expensive way.
REPAIRABLE
Most chips
Bullseyes, half moons, star breaks and combination breaks, generally up to about the size of a quarter.
INSPECT FIRST
Edge & long cracks
Cracks past roughly six inches, damage in the driver’s line of sight, damage at the glass edge, or a chip somebody already put hardware-store resin into.
REPLACEMENT
We do these too
If it’s past repair we replace it in shop at 2725 N Nevada Ave, with glass from PPG, Pilkington or Safelite. We’ll tell you which one you’re looking at before anything starts, and a replacement is quoted after we see the vehicle.
Bring it in
Not sure which one yours is?
We look at it free and tell you straight.
One thing worth saying plainly: a lot of shops will attempt a repair on damage they already know is marginal, because the attempt still bills and the replacement follows anyway. We’d rather tell you up front which one you’re buying.
Questions
Windshield insurance in Colorado, answered.
Does Colorado law require free windshield repair?
No. Colorado has no law requiring zero-deductible glass coverage. Only Florida, Kentucky and South Carolina do. Most carriers waive the deductible on a repair anyway, because repair costs them far less than replacement — but that’s their policy, not Colorado law.
Will my insurance cover a chip repair in Colorado Springs?
Coverage depends on your policy and insurer. ST6 chip repairs are customer-paid: $60 for the first chip and $10 for each additional chip. Contact your insurer directly about your own benefits.
Does a windshield claim raise my insurance rates?
A glass repair is a comprehensive claim, the same category as hail or theft, and carriers generally treat those differently from at-fault collision claims. We can’t tell you what your specific policy will do — ask your carrier, or pay the $60 and skip the claim entirely.
What if I don’t have comprehensive coverage?
Then the repair is yours to pay: $60 for the first chip, $10 for each additional chip on the same windshield. That’s usually less than a deductible would have been.
Does insurance cover windshield replacement the same way?
Usually not. The deductible waiver most carriers offer applies to repair, because repair is cheap for them. Replacement normally goes against your deductible. We do replacements in shop and bill all carriers direct either way.
How do I book a windshield chip repair in Colorado Springs?
Call (719) 517-7220 or text (719) 521-6992. Walk-ins welcome. No appointment, deposit or hour’s notice required. Online booking is optional. We’re at 2725 N Nevada Ave, open 6am to 8pm Monday through Saturday and 8am to 6pm Sunday, and we’re staffed for repairs the whole time.
Do I need an appointment or can I just show up?
No appointment or hour’s notice is required. Walk in, book online if you prefer, or call or text for the fastest response. We keep a tech on repairs all day, so same-day is normal rather than a favor.
Do I have to leave the car?
No. A chip repair is about thirty minutes and you wait in our lobby. No loaner to arrange, no dropping it for the day, no second trip to pick it up. You drive away on the same windshield.
Can you repair my chip or does it need replacing?
Most chips up to about the size of a quarter repair well. Cracks past roughly six inches, damage in the driver’s line of sight, or chips already filled with DIY resin need an inspection first. We do both repair and replacement in shop, so we’ll tell you which one it is before anything starts — and we’d rather sell you the thirty-minute repair than the replacement.
Keep reading
Find the answer for your windshield.
Accreditation
Certified windshield repair. Tested to the standard.
ST6 is a Certified Windshield Repair Technician through the National Windshield Repair Division — a division of the Auto Glass Safety Council.
That matters more than it sounds. The AGSC is the only body in auto glass backed by a published ANSI standard and an independent audit. Certification means passing their exam against ROLAGS — the Repair of Laminated Automotive Glass Standard — not buying a listing or finishing a vendor’s weekend course.
- Credential NWRD Certified Windshield Repair Technician
- Body National Windshield Repair Division, a division of the AGSC
- Standard ANSI/AGSC/NWRD/ROLAGS 002-2022
- What it covers Break identification, repair limits, and when a repair should not be attempted
It’s also why we’ll tell you when a chip shouldn’t be repaired. The standard sets limits, and we work to them.