Quick Answer: In many cases, no. If you have Manitoba Public Insurance (MPI) coverage with the $200 Plus or $100 deductible option, stone chip repairs are typically covered at no cost to you. If you have a standard deductible or are unsure of your coverage, GDS Auto Glass can help verify your MPI benefits before your repair. Check what will your auto glass replacement cost you.
A small stone chip may not seem like a big deal, but it can quickly turn into a large windshield crack—especially with Manitoba’s changing weather conditions. One of the most common questions we hear from drivers in Niverville is:
“Do I have to pay a deductible to repair a stone chip?”
The answer depends on your MPI coverage, but many Manitoba drivers are pleasantly surprised to learn that they may not have to pay anything for a qualifying stone chip repair.
When Are Stone Chip Repairs Free?
If your vehicle is insured through MPI and you have the $200 Plus or $100 deductible option, eligible stone chip repairs are generally covered at no cost.
That means if a small rock chips your windshield, repairing it early could cost you nothing while helping you avoid a much more expensive windshield replacement later.
If you’re not sure what deductible option you have, our team at GDS Auto Glass can help verify your coverage before any work begins.
What If I Have a Standard Deductible?
Drivers with a standard deductible may have to pay for a stone chip repair themselves, depending on their MPI coverage.
Even then, repairing a chip is usually much more affordable than replacing an entire windshield after the damage spreads.
Getting the chip inspected as soon as possible gives you the best chance of avoiding a full replacement.
Why You Should Repair a Stone Chip Quickly
Many drivers continue driving with a small chip because it doesn’t seem urgent.
Unfortunately, windshield chips can spread unexpectedly due to:
- Manitoba’s freeze-thaw cycles
- Hot summer temperatures
- Rough roads and highway vibrations
- Moisture and road debris
- Sudden temperature changes inside your vehicle
Once a crack spreads across the driver’s field of vision, a repair may no longer be possible, and a complete windshield replacement may be required.
How GDS Auto Glass Makes the Process Easy
At GDS Auto Glass, we make stone chip repairs simple.
Our team will:
- Verify your MPI coverage
- Explain whether a deductible applies
- Repair eligible stone chips quickly and professionally
- Help prevent further windshield damage
We believe you should know exactly what to expect before any work begins.
Serving Niverville and Surrounding Communities
GDS Auto Glass proudly serves drivers throughout:
- Niverville
- New Bothwell
- Landmark
- Ste. Agathe
- Ile des Chênes
- Grande Pointe
- St. Adolphe
- Hanover
- Surrounding Manitoba communities
Whether you need a quick stone chip repair or a complete windshield replacement, we’re here to help you with our auto glass repair service to get back on the road safely.
Don’t Wait Until the Chip Becomes a Crack
A windshield chip that’s repaired today could save you from needing a full windshield replacement tomorrow.
If you’ve recently noticed a chip in your windshield, visit GDS Auto Glass for a professional inspection. We’ll verify your MPI coverage, explain your options, and help you determine whether your repair is covered.
Frequently Asked Questions
Is stone chip repair free in Manitoba?
In many cases, yes. Drivers with MPI’s $200 Plus or $100 deductible option generally receive eligible stone chip repairs at no cost.
How do I know if my MPI coverage includes free stone chip repair?
If you’re unsure of your deductible or coverage, GDS Auto Glass can help verify your MPI benefits before your repair. Check if MPI Coverage take care of your stone chip repair.
Can a stone chip always be repaired?
Not always. Small chips that haven’t spread are often repairable. Larger chips or long cracks may require a full windshield replacement.
How long does a stone chip repair take?
Most stone chip repairs can be completed in about 30 minutes or less, allowing you to get back on the road quickly.
Will repairing a stone chip prevent the crack from spreading?
In many cases, yes. Repairing the damage early strengthens the affected area and helps prevent the chip from turning into a larger crack.
Autopac Accredited